Below are the complete branch details for Indian Bank, SIBSAGAR branch, located in SIVASAGAR, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000S678. 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 IDIB000S678 for Indian Bank – SIBSAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IDIB000S678 is the IFSC of Indian Bank's SIBSAGAR branch. The format is fixed: IDIB = bank code, 0 = reserved, 00S678 = branch identifier.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Sibsagar branch in Sivasagar. 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, IDIB000S678.
About the Sibsagar branch
The Sibsagar branch of Indian Bank is situated at MARWARI PATTI OPP CENTRAL MARKET) J P AGARWALLA PATH SIVASAGAR SIBSAGAR PIN 785640. 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 IDIB000S678 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Sibsagar |
| IFSC Code | IDIB000S678 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MARWARI PATTI OPP CENTRAL MARKET) J P AGARWALLA PATH SIVASAGAR SIBSAGAR PIN 785640 |
| City | Sivasagar |
| District | Sivasagar |
| State | Assam |
| STD Code | 91 |
| Phone | 9628610699 |
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 SIBSAGAR branch came to be assigned the code IDIB000S678.
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 IDIB000S678, money simply cannot be routed to the SIBSAGAR branch electronically.
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 IDIB000S678 and the account number together uniquely identify the Sibsagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000S678
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 IDIB000S678 across all three.
NEFT to Indian Bank, SIBSAGAR using IFSC IDIB000S678
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 IDIB000S678, and confirm that the system picks up Indian Bank – SIBSAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000S678
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 – SIBSAGAR, ensure your bank's portal accepts IFSC IDIB000S678 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank SIBSAGAR (IFSC IDIB000S678)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000S678 in your mobile or internet banking app, and the money is credited to the SIBSAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000S678 for Indian Bank – SIBSAGAR, 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 – IDIB000S678 | Yes – IDIB000S678 | Yes – IDIB000S678 |
For most retail customers crediting the Sibsagar 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 IDIB000S678
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 – SIBSAGAR is still mapped to IFSC IDIB000S678. 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 IDIB000S678 and the beneficiary's account number to complete the transfer.
Account types you can open at the Sibsagar branch
Once you have an account at Indian Bank – SIBSAGAR, the IFSC IDIB000S678 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 Sibsagar 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 IDIB000S678
Digital banking channels
Most day-to-day work that customers used to do at the Sibsagar 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 IDIB000S678 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 Sibsagar branch
The branch is located at MARWARI PATTI OPP CENTRAL MARKET) J P AGARWALLA PATH SIVASAGAR SIBSAGAR PIN 785640, which puts it inside Sivasagar, the broader Sivasagar district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Sibsagar branch” — the verified location pin for IFSC IDIB000S678 should appear at the top of the results.
- Confirm the branch is open by calling 91-9628610699 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 IDIB000S678 and your account number.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Bank – SIBSAGAR:
- The IFSC is exactly IDIB000S678 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Bank as the bank name and SIBSAGAR as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
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 Sibsagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000S678, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000S678 for Indian Bank – SIBSAGAR, 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 address & contact
Indian BankSibsagar Branch
MARWARI PATTI OPP CENTRAL MARKET) J P AGARWALLA PATH SIVASAGAR SIBSAGAR PIN 785640
Sivasagar, Assam
Phone: 91-9628610699
IFSC: IDIB000S678
Frequently asked questions
What is the IFSC code of Indian Bank Sibsagar branch?
The IFSC code of Indian Bank, Sibsagar branch is IDIB000S678. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IDIB000S678 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Sibsagar reflect within 30 minutes.
What is the phone number of Indian Bank Sibsagar branch?
You can reach the branch at 91-9628610699 during regular banking hours.
Is IFSC IDIB000S678 valid for NEFT and RTGS?
Yes. IFSC IDIB000S678 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Bank Sibsagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9628610699 to confirm.
Is IFSC IDIB000S678 the same for all accounts at Sibsagar branch?
Yes. The IFSC IDIB000S678 is shared by every account held at Indian Bank's Sibsagar branch. Only the account number changes from customer to customer.
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 Sibsagar branch but serve different purposes.
Where is Indian Bank Sibsagar branch located?
Indian Bank's Sibsagar branch is located at MARWARI PATTI OPP CENTRAL MARKET) J P AGARWALLA PATH SIVASAGAR SIBSAGAR PIN 785640, Sivasagar, Assam.
Final notes
To recap: IDIB000S678 is the IFSC code of Indian Bank, SIBSAGAR branch, in SIVASAGAR, ASSAM. 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.
