Use this page as a one-stop reference for everything related to Indian Bank's RANIGANJ branch in RANIGANJ, BIHAR. The branch's IFSC code IDIB000R595 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Bank's RANIGANJ branch, the IFSC IDIB000R595 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00R595 identifies this particular branch.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Raniganj branch in Raniganj, Bihar is part of this network and uses the IFSC code IDIB000R595 for all electronic settlement.
Raniganj branch overview
Located at VILL RANIGANJ PO MARYGANJ RANIGANJ MARYGANJ PIN 854334, the Raniganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000R595 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Raniganj |
| IFSC Code | IDIB000R595 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL RANIGANJ PO MARYGANJ RANIGANJ MARYGANJ PIN 854334 |
| City | Raniganj |
| District | Araria |
| State | Bihar |
| STD Code | 91 |
| Phone | 7506149252 |
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 RANIGANJ of Indian Bank — its own 11-character IFSC. The code IDIB000R595 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 IDIB000R595 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Raniganj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000R595 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 IDIB000R595
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 IDIB000R595 across all three.
NEFT to Indian Bank, RANIGANJ using IFSC IDIB000R595
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 IDIB000R595, and confirm that the system picks up Indian Bank – RANIGANJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RANIGANJ
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's RANIGANJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000R595 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – RANIGANJ, use IMPS. With IFSC IDIB000R595 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000R595 for Indian Bank – RANIGANJ, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IDIB000R595 | Yes – IDIB000R595 | Yes – IDIB000R595 |
For most retail customers crediting the Raniganj branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
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 RANIGANJ branch, the IFSC IDIB000R595 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 Raniganj branch is mapped to IFSC IDIB000R595 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 IDIB000R595.
Products and services
Customers walking into the Raniganj 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 IDIB000R595
Digital banking channels
Most day-to-day work that customers used to do at the Raniganj 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 IDIB000R595 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 Raniganj branch sits at VILL RANIGANJ PO MARYGANJ RANIGANJ MARYGANJ PIN 854334. If you are travelling from outside Raniganj, search for the branch on a maps application using the bank name and locality, or call 91-7506149252 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 IDIB000R595 and your account number.
Common mistakes to avoid when using IFSC IDIB000R595
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 – RANIGANJ, 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:
IDIB000R595. - 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Raniganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000R595, however, work 24x7.
Verifying IFSC IDIB000R595 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 IDIB000R595 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7506149252.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankRaniganj Branch
VILL RANIGANJ PO MARYGANJ RANIGANJ MARYGANJ PIN 854334
Raniganj, Bihar
Phone: 91-7506149252
IFSC: IDIB000R595
Frequently asked questions
How do I add Indian Bank Raniganj as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000R595, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDIB000R595 valid for NEFT and RTGS?
Yes. IFSC IDIB000R595 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Bank Raniganj branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7506149252 to confirm.
Is IFSC IDIB000R595 the same for all accounts at Raniganj branch?
Yes. The IFSC IDIB000R595 is shared by every account held at Indian Bank's Raniganj branch. Only the account number changes from customer to customer.
Where is Indian Bank Raniganj branch located?
Indian Bank's Raniganj branch is located at VILL RANIGANJ PO MARYGANJ RANIGANJ MARYGANJ PIN 854334, Raniganj, Bihar.
Can I use IFSC IDIB000R595 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000R595 to send funds instantly.
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 Raniganj branch but serve different purposes.
What is the IFSC code of Indian Bank Raniganj branch?
The IFSC code of Indian Bank, Raniganj branch is IDIB000R595. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IDIB000R595 belongs to Indian Bank's RANIGANJ branch, located at VILL RANIGANJ PO MARYGANJ RANIGANJ MARYGANJ PIN 854334 in RANIGANJ, BIHAR. 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.
