If you are searching for the IFSC code of Indian Bank, SHAMNAGAR branch in SHAMNAGAR, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is IDIB000S648. 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 SHAMNAGAR branch, and detailed step-by-step guides for using the IFSC IDIB000S648 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 – SHAMNAGAR is IDIB000S648. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00S648 map to this branch in SHAMNAGAR, MADHYA PRADESH.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Shamnagar branch — IFSC IDIB000S648 — extends the bank's services to customers in and around Shamnagar, Madhya Pradesh.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Shamnagar |
| IFSC Code | IDIB000S648 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL SHAMNAGAR PO KULGARHI SHAMNAGAR KULGARHI PIN 485446 |
| City | Shamnagar |
| District | Satna |
| State | Madhya Pradesh |
| STD Code | 91 |
| Phone | 6203221625 |
About the Shamnagar branch
The Shamnagar branch of Indian Bank is situated at VILL SHAMNAGAR PO KULGARHI SHAMNAGAR KULGARHI PIN 485446. 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 IDIB000S648 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 SHAMNAGAR branch came to be assigned the code IDIB000S648.
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 IDIB000S648, money simply cannot be routed to the SHAMNAGAR branch electronically.
Products and account variants supported
Every account opened at the Shamnagar branch is mapped to IFSC IDIB000S648 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 IDIB000S648.
Products and services
Customers walking into the Shamnagar 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 IDIB000S648
How to transfer money using IFSC IDIB000S648
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 IDIB000S648 across all three.
How to use IFSC IDIB000S648 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's SHAMNAGAR 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 IDIB000S648.
- Confirm the bank name auto-populates as Indian Bank and the branch as SHAMNAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to SHAMNAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's SHAMNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000S648 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – SHAMNAGAR, use IMPS. With IFSC IDIB000S648 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 IDIB000S648 for Indian Bank – SHAMNAGAR, 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 – IDIB000S648 | Yes – IDIB000S648 | Yes – IDIB000S648 |
For most retail customers crediting the Shamnagar 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Bank's SHAMNAGAR branch, the IFSC IDIB000S648 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Online banking and IFSC IDIB000S648
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the SHAMNAGAR 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 IDIB000S648 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.
MICR & cheque-truncation details
Cheques drawn on the Shamnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000S648 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 IDIB000S648
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 – SHAMNAGAR, 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:
IDIB000S648. - 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.
Reaching the branch
The Shamnagar branch sits at VILL SHAMNAGAR PO KULGARHI SHAMNAGAR KULGARHI PIN 485446. If you are travelling from outside Shamnagar, search for the branch on a maps application using the bank name and locality, or call 91-6203221625 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 IDIB000S648 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000S648 for Indian Bank – SHAMNAGAR, 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Shamnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000S648, however, work 24x7.
Branch address & contact
Indian BankShamnagar Branch
VILL SHAMNAGAR PO KULGARHI SHAMNAGAR KULGARHI PIN 485446
Shamnagar, Madhya Pradesh
Phone: 91-6203221625
IFSC: IDIB000S648
Frequently asked questions
How do I add Indian Bank Shamnagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000S648, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Shamnagar branch but serve different purposes.
What is the phone number of Indian Bank Shamnagar branch?
You can reach the branch at 91-6203221625 during regular banking hours.
How quickly will an NEFT transfer using IDIB000S648 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Shamnagar reflect within 30 minutes.
Where is Indian Bank Shamnagar branch located?
Indian Bank's Shamnagar branch is located at VILL SHAMNAGAR PO KULGARHI SHAMNAGAR KULGARHI PIN 485446, Shamnagar, Madhya Pradesh.
Is IFSC IDIB000S648 the same for all accounts at Shamnagar branch?
Yes. The IFSC IDIB000S648 is shared by every account held at Indian Bank's Shamnagar branch. Only the account number changes from customer to customer.
Summary
The IFSC code IDIB000S648 belongs to Indian Bank's SHAMNAGAR branch, located at VILL SHAMNAGAR PO KULGARHI SHAMNAGAR KULGARHI PIN 485446 in SHAMNAGAR, MADHYA PRADESH. 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.
