IFSC Code of Indian Bank, Saharanpur Ghanta Ghar Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, SAHARANPUR GHANTA GHAR branch in SAHARANPUR. The 11-digit IFSC IDIB000S522 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 SAHARANPUR GHANTA GHAR 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.

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 SAHARANPUR GHANTA GHAR branch, the IFSC IDIB000S522 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00S522 identifies this particular branch.

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Saharanpur Ghanta Ghar branch in Saharanpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IDIB000S522.

Saharanpur Ghanta Ghar branch overview

Located at 1188/2 LIBERTY HOTEL PREMISES SAHARANPUR SAHARANPUR PIN 247001, the Saharanpur Ghanta Ghar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000S522 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 SAHARANPUR GHANTA GHAR branch came to be assigned the code IDIB000S522.

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 IDIB000S522, money simply cannot be routed to the SAHARANPUR GHANTA GHAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Saharanpur Ghanta Ghar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000S522 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 IDIB000S522

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 IDIB000S522 across all three.

NEFT to Indian Bank, SAHARANPUR GHANTA GHAR using IFSC IDIB000S522

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 IDIB000S522, and confirm that the system picks up Indian Bank – SAHARANPUR GHANTA GHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SAHARANPUR GHANTA GHAR

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's SAHARANPUR GHANTA GHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000S522 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 – SAHARANPUR GHANTA GHAR, use IMPS. With IFSC IDIB000S522 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 IDIB000S522 for Indian Bank – SAHARANPUR GHANTA GHAR, 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.

For most retail customers crediting the Saharanpur Ghanta Ghar 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 IDIB000S522

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 – SAHARANPUR GHANTA GHAR is still mapped to IFSC IDIB000S522. 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 IDIB000S522 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Saharanpur Ghanta Ghar branch is mapped to IFSC IDIB000S522 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 IDIB000S522.

Products and services

Customers walking into the Saharanpur Ghanta Ghar 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 IDIB000S522

Digital banking channels

Most day-to-day work that customers used to do at the Saharanpur Ghanta Ghar 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 IDIB000S522 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 Saharanpur Ghanta Ghar branch sits at 1188/2 LIBERTY HOTEL PREMISES SAHARANPUR SAHARANPUR PIN 247001. If you are travelling from outside Saharanpur, search for the branch on a maps application using the bank name and locality, or call 91-9557030601 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 IDIB000S522 and your account number.

Common mistakes to avoid when using IFSC IDIB000S522

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 – SAHARANPUR GHANTA GHAR, 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: IDIB000S522.
• 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 Saharanpur Ghanta Ghar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000S522, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000S522 for Indian Bank – SAHARANPUR GHANTA GHAR, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000S522 belongs to Indian Bank's SAHARANPUR GHANTA GHAR branch, located at 1188/2 LIBERTY HOTEL PREMISES SAHARANPUR SAHARANPUR PIN 247001 in SAHARANPUR, UTTAR 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.