If you are searching for the IFSC code of Indian Bank, RANCHI RINPAS branch in RINPAS, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is IDIB000R638. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RANCHI RINPAS branch, and detailed step-by-step guides for using the IFSC IDIB000R638 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Bank – RANCHI RINPAS is IDIB000R638. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00R638 map to this branch in RINPAS, JHARKHAND.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Ranchi Rinpas |
| IFSC Code | IDIB000R638 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KANKE CHOWK RINPAS RANCHI RINPAS KANKE PIN 834006 |
| City | Rinpas |
| District | Ranchi |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 9835501071 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ranchi Rinpas branch — IFSC IDIB000R638 — extends the bank's services to customers in and around Rinpas, Jharkhand.
About the Ranchi Rinpas branch
The Ranchi Rinpas branch of Indian Bank is situated at KANKE CHOWK RINPAS RANCHI RINPAS KANKE PIN 834006. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IDIB000R638 is used.
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 RANCHI RINPAS of Indian Bank — its own 11-character IFSC. The code IDIB000R638 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 IDIB000R638 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDIB000R638
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 IDIB000R638 across all three.
NEFT to Indian Bank, RANCHI RINPAS using IFSC IDIB000R638
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 IDIB000R638, and confirm that the system picks up Indian Bank – RANCHI RINPAS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000R638
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 – RANCHI RINPAS, ensure your bank's portal accepts IFSC IDIB000R638 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – RANCHI RINPAS, use IMPS. With IFSC IDIB000R638 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 IDIB000R638 for Indian Bank – RANCHI RINPAS, 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 – IDIB000R638 | Yes – IDIB000R638 | Yes – IDIB000R638 |
For most retail customers crediting the Ranchi Rinpas 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.
UPI payments and IFSC IDIB000R638
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 – RANCHI RINPAS is still mapped to IFSC IDIB000R638. 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 IDIB000R638 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ranchi Rinpas branch is mapped to IFSC IDIB000R638 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 IDIB000R638.
Products and services
Customers walking into the Ranchi Rinpas 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 IDIB000R638
MICR & cheque-truncation details
Cheques drawn on the Ranchi Rinpas branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000R638 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Ranchi Rinpas 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 IDIB000R638 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.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Bank – RANCHI RINPAS:
- The IFSC is exactly IDIB000R638 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Bank as the bank name and RANCHI RINPAS as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Ranchi Rinpas branch sits at KANKE CHOWK RINPAS RANCHI RINPAS KANKE PIN 834006. If you are travelling from outside Rinpas, search for the branch on a maps application using the bank name and locality, or call 91-9835501071 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 IDIB000R638 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000R638 for Indian Bank – RANCHI RINPAS, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Ranchi Rinpas 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 IDIB000R638 continue to work without interruption.
Branch address & contact
Indian BankRanchi Rinpas Branch
KANKE CHOWK RINPAS RANCHI RINPAS KANKE PIN 834006
Rinpas, Jharkhand
Phone: 91-9835501071
IFSC: IDIB000R638
Frequently asked questions
What is the phone number of Indian Bank Ranchi Rinpas branch?
You can reach the branch at 91-9835501071 during regular banking hours.
How quickly will an NEFT transfer using IDIB000R638 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Ranchi Rinpas reflect within 30 minutes.
Can I use IFSC IDIB000R638 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000R638 to send funds instantly.
What is the IFSC code of Indian Bank Ranchi Rinpas branch?
The IFSC code of Indian Bank, Ranchi Rinpas branch is IDIB000R638. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Ranchi Rinpas branch located?
Indian Bank's Ranchi Rinpas branch is located at KANKE CHOWK RINPAS RANCHI RINPAS KANKE PIN 834006, Rinpas, Jharkhand.
How do I add Indian Bank Ranchi Rinpas as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000R638, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDIB000R638 valid for NEFT and RTGS?
Yes. IFSC IDIB000R638 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000R638 belongs to Indian Bank's RANCHI RINPAS branch, located at KANKE CHOWK RINPAS RANCHI RINPAS KANKE PIN 834006 in RINPAS, JHARKHAND. 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.
