If you are searching for the IFSC code of Indian Bank, JUJHAR NAGAR branch in SAS NAGAR MOHALI, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is IDIB000J047. 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 JUJHAR NAGAR branch, and detailed step-by-step guides for using the IFSC IDIB000J047 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 – JUJHAR NAGAR is IDIB000J047. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00J047 map to this branch in SAS NAGAR MOHALI, PUNJAB.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jujhar Nagar branch in Sas Nagar Mohali, Punjab is part of this network and uses the IFSC code IDIB000J047 for all electronic settlement.
About this branch
The branch is located at OPP 39 WEST MALOYA ROAD VILLAGE JUJHAR NAGAR BEHLOLPUR PIN 160014. It serves the Sas Nagar Mohali 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 IDIB000J047 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Jujhar Nagar |
| IFSC Code | IDIB000J047 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP 39 WEST MALOYA ROAD VILLAGE JUJHAR NAGAR BEHLOLPUR PIN 160014 |
| City | Sas Nagar Mohali |
| District | Sas Nagar Mohali |
| State | Punjab |
| STD Code | 172 |
| Phone | 2921423 |
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 JUJHAR NAGAR branch came to be assigned the code IDIB000J047.
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 IDIB000J047, money simply cannot be routed to the JUJHAR NAGAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Jujhar Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000J047 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 IDIB000J047
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 IDIB000J047 across all three.
How to use IFSC IDIB000J047 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's JUJHAR NAGAR 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 IDIB000J047.
- Confirm the bank name auto-populates as Indian Bank and the branch as JUJHAR NAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000J047
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 – JUJHAR NAGAR, ensure your bank's portal accepts IFSC IDIB000J047 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – JUJHAR NAGAR, use IMPS. With IFSC IDIB000J047 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 IDIB000J047 for Indian Bank – JUJHAR NAGAR, 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 – IDIB000J047 | Yes – IDIB000J047 | Yes – IDIB000J047 |
For most retail customers crediting the Jujhar Nagar 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 IDIB000J047
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 – JUJHAR NAGAR is still mapped to IFSC IDIB000J047. 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 IDIB000J047 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Jujhar Nagar branch is mapped to IFSC IDIB000J047 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 IDIB000J047.
Banking services available
The Jujhar Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 172-2921423.
- 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 IDIB000J047
Digital banking channels
Most day-to-day work that customers used to do at the Jujhar Nagar 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 IDIB000J047 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.
How to reach the Jujhar Nagar branch
The branch is located at OPP 39 WEST MALOYA ROAD VILLAGE JUJHAR NAGAR BEHLOLPUR PIN 160014, which puts it inside Sas Nagar Mohali, the broader Sas Nagar Mohali district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Jujhar Nagar branch” — the verified location pin for IFSC IDIB000J047 should appear at the top of the results.
- Confirm the branch is open by calling 172-2921423 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 IDIB000J047 and your account number.
Common mistakes to avoid when using IFSC IDIB000J047
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 – JUJHAR NAGAR, 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:
IDIB000J047. - 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 Jujhar Nagar 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 IDIB000J047 continue to work without interruption.
Verifying IFSC IDIB000J047 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 IDIB000J047 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 172-2921423.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankJujhar Nagar Branch
OPP 39 WEST MALOYA ROAD VILLAGE JUJHAR NAGAR BEHLOLPUR PIN 160014
Sas Nagar Mohali, Punjab
Phone: 172-2921423
IFSC: IDIB000J047
Frequently asked questions
How quickly will an NEFT transfer using IDIB000J047 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Jujhar Nagar reflect within 30 minutes.
Can I use IFSC IDIB000J047 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000J047 to send funds instantly.
What is the IFSC code of Indian Bank Jujhar Nagar branch?
The IFSC code of Indian Bank, Jujhar Nagar branch is IDIB000J047. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Jujhar Nagar branch but serve different purposes.
Where is Indian Bank Jujhar Nagar branch located?
Indian Bank's Jujhar Nagar branch is located at OPP 39 WEST MALOYA ROAD VILLAGE JUJHAR NAGAR BEHLOLPUR PIN 160014, Sas Nagar Mohali, Punjab.
Is IFSC IDIB000J047 the same for all accounts at Jujhar Nagar branch?
Yes. The IFSC IDIB000J047 is shared by every account held at Indian Bank's Jujhar Nagar branch. Only the account number changes from customer to customer.
How do I add Indian Bank Jujhar Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000J047, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IDIB000J047 belongs to Indian Bank's JUJHAR NAGAR branch, located at OPP 39 WEST MALOYA ROAD VILLAGE JUJHAR NAGAR BEHLOLPUR PIN 160014 in SAS NAGAR MOHALI, PUNJAB. 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.
