If you are searching for the IFSC code of Indian Bank, SARAIAHAT branch in SARIYAHAT, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is IDIB000S575. 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 SARAIAHAT branch, and detailed step-by-step guides for using the IFSC IDIB000S575 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 – SARAIAHAT is IDIB000S575. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00S575 map to this branch in SARIYAHAT, JHARKHAND.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Saraiahat |
| IFSC Code | IDIB000S575 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHARKAPATHAR VILLAGE SARAIAHAT POST AND TEHSIL SARIYAHAT SARIYAHAT PIN 814151 |
| City | Sariyahat |
| District | Dumka |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 9015204606 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Saraiahat branch in Sariyahat, Jharkhand is part of this network and uses the IFSC code IDIB000S575 for all electronic settlement.
About this branch
The branch is located at CHARKAPATHAR VILLAGE SARAIAHAT POST AND TEHSIL SARIYAHAT SARIYAHAT PIN 814151. It serves the Sariyahat region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB000S575 is used to identify this branch on the RBI payments network.
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 SARAIAHAT of Indian Bank — its own 11-character IFSC. The code IDIB000S575 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 IDIB000S575 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 IDIB000S575
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 IDIB000S575 across all three.
How to use IFSC IDIB000S575 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's SARAIAHAT branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IDIB000S575.
- Confirm the bank name auto-populates as Indian Bank and the branch as SARAIAHAT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000S575
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 – SARAIAHAT, ensure your bank's portal accepts IFSC IDIB000S575 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – SARAIAHAT, use IMPS. With IFSC IDIB000S575 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Saraiahat
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 IDIB000S575:
- 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 SARAIAHAT is still linked to IFSC IDIB000S575.
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 IDIB000S575
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 – SARAIAHAT is still mapped to IFSC IDIB000S575. 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 IDIB000S575 and the beneficiary's account number to complete the transfer.
Account types you can open at the Saraiahat branch
Once you have an account at Indian Bank – SARAIAHAT, the IFSC IDIB000S575 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 Saraiahat 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 IDIB000S575
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDIB000S575 and the account number together uniquely identify the Saraiahat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Saraiahat 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 IDIB000S575 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.
Common mistakes to avoid when using IFSC IDIB000S575
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 – SARAIAHAT, 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:
IDIB000S575. - 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 Saraiahat branch
The branch is located at CHARKAPATHAR VILLAGE SARAIAHAT POST AND TEHSIL SARIYAHAT SARIYAHAT PIN 814151, which puts it inside Sariyahat, the broader Dumka district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Saraiahat branch” — the verified location pin for IFSC IDIB000S575 should appear at the top of the results.
- Confirm the branch is open by calling 91-9015204606 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 IDIB000S575 and your account number.
Verifying IFSC IDIB000S575 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 IDIB000S575 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9015204606.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Saraiahat 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 IDIB000S575 continue to work without interruption.
Branch address & contact
Indian BankSaraiahat Branch
CHARKAPATHAR VILLAGE SARAIAHAT POST AND TEHSIL SARIYAHAT SARIYAHAT PIN 814151
Sariyahat, Jharkhand
Phone: 91-9015204606
IFSC: IDIB000S575
Frequently asked questions
How quickly will an NEFT transfer using IDIB000S575 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Saraiahat 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 Saraiahat branch but serve different purposes.
Is IFSC IDIB000S575 the same for all accounts at Saraiahat branch?
Yes. The IFSC IDIB000S575 is shared by every account held at Indian Bank's Saraiahat branch. Only the account number changes from customer to customer.
Is IFSC IDIB000S575 valid for NEFT and RTGS?
Yes. IFSC IDIB000S575 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Bank Saraiahat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9015204606 to confirm.
Can I use IFSC IDIB000S575 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000S575 to send funds instantly.
How do I add Indian Bank Saraiahat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000S575, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IDIB000S575 belongs to Indian Bank's SARAIAHAT branch, located at CHARKAPATHAR VILLAGE SARAIAHAT POST AND TEHSIL SARIYAHAT SARIYAHAT PIN 814151 in SARIYAHAT, 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.
