This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, RANICHAK branch in RANICHAK. The 11-digit IFSC IDIB000R594 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 RANICHAK 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, IDIB000R594 is the IFSC of Indian Bank's RANICHAK branch. The format is fixed: IDIB = bank code, 0 = reserved, 00R594 = branch identifier.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ranichak branch in Ranichak, West Bengal is part of this network and uses the IFSC code IDIB000R594 for all electronic settlement.
About this branch
The branch is located at VILL PO RANICHAK PS DASPUR RANICHAK RANICHAK PIN 721212. It serves the Ranichak region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB000R594 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Ranichak |
| IFSC Code | IDIB000R594 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL PO RANICHAK PS DASPUR RANICHAK RANICHAK PIN 721212 |
| City | Ranichak |
| District | Paschim Medinipur |
| State | West Bengal |
| STD Code | 91 |
| Phone | 9430166602 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Bank's RANICHAK branch came to be assigned the code IDIB000R594.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IDIB000R594, money simply cannot be routed to the RANICHAK branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Ranichak branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000R594 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IDIB000R594
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 IDIB000R594 across all three.
How to use IFSC IDIB000R594 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's RANICHAK branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IDIB000R594.
- Confirm the bank name auto-populates as Indian Bank and the branch as RANICHAK.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to RANICHAK
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's RANICHAK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000R594 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank RANICHAK (IFSC IDIB000R594)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000R594 in your mobile or internet banking app, and the money is credited to the RANICHAK branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ranichak
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 IDIB000R594:
- 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 RANICHAK is still linked to IFSC IDIB000R594.
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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Bank's RANICHAK branch, the IFSC IDIB000R594 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Ranichak branch is mapped to IFSC IDIB000R594 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains IDIB000R594.
Products and services
Customers walking into the Ranichak branch can access most of Indian Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IDIB000R594
Digital banking channels
Most day-to-day work that customers used to do at the Ranichak 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 IDIB000R594 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.
Reaching the branch
The Ranichak branch sits at VILL PO RANICHAK PS DASPUR RANICHAK RANICHAK PIN 721212. If you are travelling from outside Ranichak, search for the branch on a maps application using the bank name and locality, or call 91-9430166602 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 IDIB000R594 and your account number.
Common mistakes to avoid when using IFSC IDIB000R594
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 – RANICHAK, 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:
IDIB000R594. - 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.
Working hours
Branch counters at Ranichak 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 IDIB000R594 continue to work without interruption.
Verifying IFSC IDIB000R594 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 IDIB000R594 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9430166602.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankRanichak Branch
VILL PO RANICHAK PS DASPUR RANICHAK RANICHAK PIN 721212
Ranichak, West Bengal
Phone: 91-9430166602
IFSC: IDIB000R594
Frequently asked questions
What is the IFSC code of Indian Bank Ranichak branch?
The IFSC code of Indian Bank, Ranichak branch is IDIB000R594. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Ranichak branch but serve different purposes.
Can I use IFSC IDIB000R594 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000R594 to send funds instantly.
What is the phone number of Indian Bank Ranichak branch?
You can reach the branch at 91-9430166602 during regular banking hours.
How do I add Indian Bank Ranichak as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000R594, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDIB000R594 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Ranichak reflect within 30 minutes.
Is IFSC IDIB000R594 the same for all accounts at Ranichak branch?
Yes. The IFSC IDIB000R594 is shared by every account held at Indian Bank's Ranichak branch. Only the account number changes from customer to customer.
Final notes
To recap: IDIB000R594 is the IFSC code of Indian Bank, RANICHAK branch, in RANICHAK, WEST BENGAL. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
