This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, RAMNAGAR branch in RAMNAGAR. The 11-digit IFSC IDIB000R563 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Bank at the RAMNAGAR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IDIB000R563 is the IFSC of Indian Bank's RAMNAGAR branch. The format is fixed: IDIB = bank code, 0 = reserved, 00R563 = branch identifier.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ramnagar branch — IFSC IDIB000R563 — extends the bank's services to customers in and around Ramnagar, Madhya Pradesh.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Ramnagar |
| IFSC Code | IDIB000R563 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO RAMNAGAR DIST SATNA 485 881 RAMNAGAR RAMNAGAR RAMNAGAR PIN 485881 |
| City | Ramnagar |
| District | Satna |
| State | Madhya Pradesh |
| STD Code | 91 |
| Phone | 9348000249 |
Ramnagar branch overview
Located at VILL PO RAMNAGAR DIST SATNA 485 881 RAMNAGAR RAMNAGAR RAMNAGAR PIN 485881, the Ramnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000R563 is required for all interbank electronic transfers routed through this branch.
Why every Indian Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including RAMNAGAR of Indian Bank — its own 11-character IFSC. The code IDIB000R563 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IDIB000R563 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Ramnagar branch
Once you have an account at Indian Bank – RAMNAGAR, the IFSC IDIB000R563 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Ramnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9348000249.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDIB000R563
How to transfer money using IFSC IDIB000R563
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IDIB000R563 across all three.
NEFT to Indian Bank, RAMNAGAR using IFSC IDIB000R563
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IDIB000R563, and confirm that the system picks up Indian Bank – RAMNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000R563
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Bank – RAMNAGAR, ensure your bank's portal accepts IFSC IDIB000R563 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – RAMNAGAR, use IMPS. With IFSC IDIB000R563 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Ramnagar
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IDIB000R563:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at RAMNAGAR is still linked to IFSC IDIB000R563.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC IDIB000R563
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Bank – RAMNAGAR is still mapped to IFSC IDIB000R563. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IDIB000R563 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Ramnagar branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IDIB000R563 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDIB000R563 and the account number together uniquely identify the Ramnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IDIB000R563
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Bank – RAMNAGAR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IDIB000R563. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Ramnagar branch sits at VILL PO RAMNAGAR DIST SATNA 485 881 RAMNAGAR RAMNAGAR RAMNAGAR PIN 485881. If you are travelling from outside Ramnagar, search for the branch on a maps application using the bank name and locality, or call 91-9348000249 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IDIB000R563 and your account number.
Verifying IFSC IDIB000R563 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IDIB000R563 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9348000249.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ramnagar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IDIB000R563 continue to work without interruption.
Branch address & contact
Indian BankRamnagar Branch
VILL PO RAMNAGAR DIST SATNA 485 881 RAMNAGAR RAMNAGAR RAMNAGAR PIN 485881
Ramnagar, Madhya Pradesh
Phone: 91-9348000249
IFSC: IDIB000R563
Frequently asked questions
Where is Indian Bank Ramnagar branch located?
Indian Bank's Ramnagar branch is located at VILL PO RAMNAGAR DIST SATNA 485 881 RAMNAGAR RAMNAGAR RAMNAGAR PIN 485881, Ramnagar, Madhya Pradesh.
How quickly will an NEFT transfer using IDIB000R563 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Ramnagar reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ramnagar branch but serve different purposes.
What is the IFSC code of Indian Bank Ramnagar branch?
The IFSC code of Indian Bank, Ramnagar branch is IDIB000R563. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Bank Ramnagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9348000249 to confirm.
How do I add Indian Bank Ramnagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000R563, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IDIB000R563 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000R563 to send funds instantly.
Is IFSC IDIB000R563 the same for all accounts at Ramnagar branch?
Yes. The IFSC IDIB000R563 is shared by every account held at Indian Bank's Ramnagar branch. Only the account number changes from customer to customer.
Summary
The IFSC code IDIB000R563 belongs to Indian Bank's RAMNAGAR branch, located at VILL PO RAMNAGAR DIST SATNA 485 881 RAMNAGAR RAMNAGAR RAMNAGAR PIN 485881 in RAMNAGAR, MADHYA PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
