This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, ZIRAKPUR branch in SAS NAGAR. The 11-digit IFSC IDIB000Z504 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 ZIRAKPUR 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.
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 – ZIRAKPUR is IDIB000Z504. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00Z504 map to this branch in SAS NAGAR, PUNJAB.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Zirakpur branch in Sas Nagar, Punjab is part of this network and uses the IFSC code IDIB000Z504 for all electronic settlement.
About the Zirakpur branch
The Zirakpur branch of Indian Bank is situated at ROYALE ESTATE CHANDIGARH AMBALA HIGHWAY ZIRAKPUR ZIRAKPUR PIN 140603. 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 IDIB000Z504 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Zirakpur |
| IFSC Code | IDIB000Z504 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ROYALE ESTATE CHANDIGARH AMBALA HIGHWAY ZIRAKPUR ZIRAKPUR PIN 140603 |
| City | Sas Nagar |
| District | Sas Nagar |
| State | Punjab |
| STD Code | 91 |
| Phone | 9372541721 |
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 ZIRAKPUR branch came to be assigned the code IDIB000Z504.
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 IDIB000Z504, money simply cannot be routed to the ZIRAKPUR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Zirakpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000Z504 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 IDIB000Z504
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 IDIB000Z504 across all three.
NEFT to Indian Bank, ZIRAKPUR using IFSC IDIB000Z504
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 IDIB000Z504, and confirm that the system picks up Indian Bank – ZIRAKPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000Z504
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 – ZIRAKPUR, ensure your bank's portal accepts IFSC IDIB000Z504 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – ZIRAKPUR, use IMPS. With IFSC IDIB000Z504 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 IDIB000Z504 for Indian Bank – ZIRAKPUR, 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 – IDIB000Z504 | Yes – IDIB000Z504 | Yes – IDIB000Z504 |
For most retail customers crediting the Zirakpur 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 IDIB000Z504
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 – ZIRAKPUR is still mapped to IFSC IDIB000Z504. 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 IDIB000Z504 and the beneficiary's account number to complete the transfer.
Account types you can open at the Zirakpur branch
Once you have an account at Indian Bank – ZIRAKPUR, the IFSC IDIB000Z504 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 Zirakpur 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 IDIB000Z504
Digital banking channels
Most day-to-day work that customers used to do at the Zirakpur 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 IDIB000Z504 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 Zirakpur branch sits at ROYALE ESTATE CHANDIGARH AMBALA HIGHWAY ZIRAKPUR ZIRAKPUR PIN 140603. If you are travelling from outside Sas Nagar, search for the branch on a maps application using the bank name and locality, or call 91-9372541721 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 IDIB000Z504 and your account number.
Common mistakes to avoid when using IFSC IDIB000Z504
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 – ZIRAKPUR, 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:
IDIB000Z504. - 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 Zirakpur 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 IDIB000Z504 continue to work without interruption.
Verifying IFSC IDIB000Z504 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 IDIB000Z504 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9372541721.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankZirakpur Branch
ROYALE ESTATE CHANDIGARH AMBALA HIGHWAY ZIRAKPUR ZIRAKPUR PIN 140603
Sas Nagar, Punjab
Phone: 91-9372541721
IFSC: IDIB000Z504
Frequently asked questions
Where is Indian Bank Zirakpur branch located?
Indian Bank's Zirakpur branch is located at ROYALE ESTATE CHANDIGARH AMBALA HIGHWAY ZIRAKPUR ZIRAKPUR PIN 140603, Sas Nagar, Punjab.
Is IFSC IDIB000Z504 the same for all accounts at Zirakpur branch?
Yes. The IFSC IDIB000Z504 is shared by every account held at Indian Bank's Zirakpur branch. Only the account number changes from customer to customer.
Does Indian Bank Zirakpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9372541721 to confirm.
Is IFSC IDIB000Z504 valid for NEFT and RTGS?
Yes. IFSC IDIB000Z504 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Bank Zirakpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000Z504, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Bank Zirakpur branch?
You can reach the branch at 91-9372541721 during regular banking hours.
Final notes
To recap: IDIB000Z504 is the IFSC code of Indian Bank, ZIRAKPUR branch, in SAS NAGAR, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
