This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, ATHWA LINES branch in SURAT. The 11-digit IFSC IDIB000A063 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 ATHWA LINES 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Bank's ATHWA LINES branch, the IFSC IDIB000A063 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00A063 identifies this particular branch.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Athwa Lines branch in Surat. 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, IDIB000A063.
About this branch
The branch is located at SHOP NO 2328 CORNER POINT COMPLEX OPP SEJAL APARTMENT CITY LIGHT PIN 395007. It serves the Surat 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 IDIB000A063 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Athwa Lines |
| IFSC Code | IDIB000A063 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 2328 CORNER POINT COMPLEX OPP SEJAL APARTMENT CITY LIGHT PIN 395007 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 2252475 |
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 ATHWA LINES branch came to be assigned the code IDIB000A063.
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 IDIB000A063, money simply cannot be routed to the ATHWA LINES branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Athwa Lines branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000A063 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 IDIB000A063
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 IDIB000A063 across all three.
NEFT to Indian Bank, ATHWA LINES using IFSC IDIB000A063
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 IDIB000A063, and confirm that the system picks up Indian Bank – ATHWA LINES. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ATHWA LINES
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's ATHWA LINES branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000A063 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank ATHWA LINES (IFSC IDIB000A063)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000A063 in your mobile or internet banking app, and the money is credited to the ATHWA LINES branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000A063 for Indian Bank – ATHWA LINES, 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 – IDIB000A063 | Yes – IDIB000A063 | Yes – IDIB000A063 |
For most retail customers crediting the Athwa Lines 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 ATHWA LINES branch, the IFSC IDIB000A063 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.
Products and account variants supported
Every account opened at the Athwa Lines branch is mapped to IFSC IDIB000A063 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 IDIB000A063.
Products and services
Customers walking into the Athwa Lines 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 IDIB000A063
Digital banking channels
Most day-to-day work that customers used to do at the Athwa Lines 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 IDIB000A063 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 Athwa Lines branch
The branch is located at SHOP NO 2328 CORNER POINT COMPLEX OPP SEJAL APARTMENT CITY LIGHT PIN 395007, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Athwa Lines branch” — the verified location pin for IFSC IDIB000A063 should appear at the top of the results.
- Confirm the branch is open by calling 261-2252475 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 IDIB000A063 and your account number.
Common mistakes to avoid when using IFSC IDIB000A063
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 – ATHWA LINES, 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:
IDIB000A063. - 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 Athwa Lines 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 IDIB000A063 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000A063 for Indian Bank – ATHWA LINES, 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 BankAthwa Lines Branch
SHOP NO 2328 CORNER POINT COMPLEX OPP SEJAL APARTMENT CITY LIGHT PIN 395007
Surat, Gujarat
Phone: 261-2252475
IFSC: IDIB000A063
Frequently asked questions
Is IFSC IDIB000A063 valid for NEFT and RTGS?
Yes. IFSC IDIB000A063 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Bank Athwa Lines branch?
You can reach the branch at 261-2252475 during regular banking hours.
Where is Indian Bank Athwa Lines branch located?
Indian Bank's Athwa Lines branch is located at SHOP NO 2328 CORNER POINT COMPLEX OPP SEJAL APARTMENT CITY LIGHT PIN 395007, Surat, Gujarat.
How quickly will an NEFT transfer using IDIB000A063 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Athwa Lines reflect within 30 minutes.
How do I add Indian Bank Athwa Lines as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000A063, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IDIB000A063 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000A063 to send funds instantly.
Summary
The IFSC code IDIB000A063 belongs to Indian Bank's ATHWA LINES branch, located at SHOP NO 2328 CORNER POINT COMPLEX OPP SEJAL APARTMENT CITY LIGHT PIN 395007 in SURAT, GUJARAT. 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.
