If you are searching for the IFSC code of Indian Bank, SARADAPALLY branch in SARADAPALLY, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is IDIB000S574. 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 SARADAPALLY branch, and detailed step-by-step guides for using the IFSC IDIB000S574 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 – SARADAPALLY is IDIB000S574. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00S574 map to this branch in SARADAPALLY, WEST BENGAL.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Saradapally branch in Saradapally, West Bengal is part of this network and uses the IFSC code IDIB000S574 for all electronic settlement.
Saradapally branch overview
Located at BHADRESWAR STATION BAZAR VILL PO SARADAPALLY SARADAPALLY SARADAPALLY PIN 712124, the Saradapally branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000S574 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Saradapally |
| IFSC Code | IDIB000S574 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BHADRESWAR STATION BAZAR VILL PO SARADAPALLY SARADAPALLY SARADAPALLY PIN 712124 |
| City | Saradapally |
| District | Hugli |
| State | West Bengal |
| STD Code | 91 |
| Phone | 8620957830 |
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 SARADAPALLY of Indian Bank — its own 11-character IFSC. The code IDIB000S574 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 IDIB000S574 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 Saradapally branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000S574 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 IDIB000S574
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 IDIB000S574 across all three.
NEFT to Indian Bank, SARADAPALLY using IFSC IDIB000S574
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 IDIB000S574, and confirm that the system picks up Indian Bank – SARADAPALLY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000S574
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 – SARADAPALLY, ensure your bank's portal accepts IFSC IDIB000S574 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank SARADAPALLY (IFSC IDIB000S574)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000S574 in your mobile or internet banking app, and the money is credited to the SARADAPALLY branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Saradapally
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 IDIB000S574:
- 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 SARADAPALLY is still linked to IFSC IDIB000S574.
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 IDIB000S574
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 – SARADAPALLY is still mapped to IFSC IDIB000S574. 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 IDIB000S574 and the beneficiary's account number to complete the transfer.
Account types you can open at the Saradapally branch
Once you have an account at Indian Bank – SARADAPALLY, the IFSC IDIB000S574 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.
Products and services
Customers walking into the Saradapally 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 IDIB000S574
Online banking and IFSC IDIB000S574
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the SARADAPALLY branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IDIB000S574 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
How to reach the Saradapally branch
The branch is located at BHADRESWAR STATION BAZAR VILL PO SARADAPALLY SARADAPALLY SARADAPALLY PIN 712124, which puts it inside Saradapally, the broader Hugli district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Saradapally branch” — the verified location pin for IFSC IDIB000S574 should appear at the top of the results.
- Confirm the branch is open by calling 91-8620957830 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IDIB000S574 and your account number.
Common mistakes to avoid when using IFSC IDIB000S574
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 – SARADAPALLY, 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:
IDIB000S574. - 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 Saradapally 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 IDIB000S574 continue to work without interruption.
Verifying IFSC IDIB000S574 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 IDIB000S574 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8620957830.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankSaradapally Branch
BHADRESWAR STATION BAZAR VILL PO SARADAPALLY SARADAPALLY SARADAPALLY PIN 712124
Saradapally, West Bengal
Phone: 91-8620957830
IFSC: IDIB000S574
Frequently asked questions
Can I use IFSC IDIB000S574 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000S574 to send funds instantly.
Is IFSC IDIB000S574 the same for all accounts at Saradapally branch?
Yes. The IFSC IDIB000S574 is shared by every account held at Indian Bank's Saradapally branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Saradapally branch?
You can reach the branch at 91-8620957830 during regular banking hours.
Where is Indian Bank Saradapally branch located?
Indian Bank's Saradapally branch is located at BHADRESWAR STATION BAZAR VILL PO SARADAPALLY SARADAPALLY SARADAPALLY PIN 712124, Saradapally, West Bengal.
How do I add Indian Bank Saradapally as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000S574, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Saradapally branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8620957830 to confirm.
How quickly will an NEFT transfer using IDIB000S574 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Saradapally 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 Saradapally branch but serve different purposes.
Summary
The IFSC code IDIB000S574 belongs to Indian Bank's SARADAPALLY branch, located at BHADRESWAR STATION BAZAR VILL PO SARADAPALLY SARADAPALLY SARADAPALLY PIN… in SARADAPALLY, WEST BENGAL. 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.
