Below are the complete branch details for Indian Bank, MUZAFFARPUR branch, located in SARAIYAGANJ, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000M780. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDIB000M780 for Indian Bank – MUZAFFARPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 MUZAFFARPUR branch, the IFSC IDIB000M780 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00M780 identifies this particular branch.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Muzaffarpur branch in Saraiyaganj. 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, IDIB000M780.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Muzaffarpur |
| IFSC Code | IDIB000M780 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ADJACENT TO MARWARI VYAYAM SHALA SARAIYA GANJ SARAIYAGANJ SARAIYAGANJ HPO MUZAFFARPUR PIN 842001 |
| City | Saraiyaganj |
| District | Muzaffarpur |
| State | Bihar |
| STD Code | 6212 |
| Phone | 212786 |
About the Muzaffarpur branch
The Muzaffarpur branch of Indian Bank is situated at ADJACENT TO MARWARI VYAYAM SHALA SARAIYA GANJ SARAIYAGANJ SARAIYAGANJ HPO MUZAFFARPUR PIN 842001. 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 IDIB000M780 is used.
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 MUZAFFARPUR branch came to be assigned the code IDIB000M780.
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 IDIB000M780, money simply cannot be routed to the MUZAFFARPUR branch electronically.
Account types you can open at the Muzaffarpur branch
Once you have an account at Indian Bank – MUZAFFARPUR, the IFSC IDIB000M780 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.
Banking services available
The Muzaffarpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6212-212786.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDIB000M780
How to transfer money using IFSC IDIB000M780
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 IDIB000M780 across all three.
NEFT to Indian Bank, MUZAFFARPUR using IFSC IDIB000M780
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 IDIB000M780, and confirm that the system picks up Indian Bank – MUZAFFARPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MUZAFFARPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's MUZAFFARPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000M780 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank MUZAFFARPUR (IFSC IDIB000M780)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000M780 in your mobile or internet banking app, and the money is credited to the MUZAFFARPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000M780 for Indian Bank – MUZAFFARPUR, 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 – IDIB000M780 | Yes – IDIB000M780 | Yes – IDIB000M780 |
For most retail customers crediting the Muzaffarpur 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 IDIB000M780
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 – MUZAFFARPUR is still mapped to IFSC IDIB000M780. 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 IDIB000M780 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Muzaffarpur 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 IDIB000M780 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.
MICR & cheque-truncation details
Cheques drawn on the Muzaffarpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000M780 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IDIB000M780
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 – MUZAFFARPUR, 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:
IDIB000M780. - 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.
How to reach the Muzaffarpur branch
The branch is located at ADJACENT TO MARWARI VYAYAM SHALA SARAIYA GANJ SARAIYAGANJ SARAIYAGANJ HPO MUZAFFARPUR PIN 842001, which puts it inside Saraiyaganj, the broader Muzaffarpur district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Muzaffarpur branch” — the verified location pin for IFSC IDIB000M780 should appear at the top of the results.
- Confirm the branch is open by calling 6212-212786 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 IDIB000M780 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000M780 for Indian Bank – MUZAFFARPUR, 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 Muzaffarpur 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 IDIB000M780 continue to work without interruption.
Branch address & contact
Indian BankMuzaffarpur Branch
ADJACENT TO MARWARI VYAYAM SHALA SARAIYA GANJ SARAIYAGANJ SARAIYAGANJ HPO MUZAFFARPUR PIN 842001
Saraiyaganj, Bihar
Phone: 6212-212786
IFSC: IDIB000M780
Frequently asked questions
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 Muzaffarpur branch but serve different purposes.
Is IFSC IDIB000M780 valid for NEFT and RTGS?
Yes. IFSC IDIB000M780 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Bank Muzaffarpur branch?
The IFSC code of Indian Bank, Muzaffarpur branch is IDIB000M780. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Bank Muzaffarpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000M780, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDIB000M780 the same for all accounts at Muzaffarpur branch?
Yes. The IFSC IDIB000M780 is shared by every account held at Indian Bank's Muzaffarpur branch. Only the account number changes from customer to customer.
Where is Indian Bank Muzaffarpur branch located?
Indian Bank's Muzaffarpur branch is located at ADJACENT TO MARWARI VYAYAM SHALA SARAIYA GANJ SARAIYAGANJ SARAIYAGANJ HPO MUZAFFARPUR PIN 842001, Saraiyaganj, Bihar.
Can I use IFSC IDIB000M780 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000M780 to send funds instantly.
Summary
The IFSC code IDIB000M780 belongs to Indian Bank's MUZAFFARPUR branch, located at ADJACENT TO MARWARI VYAYAM SHALA SARAIYA GANJ SARAIYAGANJ SARAIYAGANJ HPO… in SARAIYAGANJ, 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.
