This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, SURAT branch in SURAT. The 11-digit IFSC IDIB000S039 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 SURAT 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.
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, IDIB000S039 is the IFSC of Indian Bank's SURAT branch. The format is fixed: IDIB = bank code, 0 = reserved, 00S039 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Surat |
| IFSC Code | IDIB000S039 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO12 TO 15 RESHAMWALA MARKET RING ROAD SURAT PIN 395002 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 2352743 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Surat branch in Surat, Gujarat is part of this network and uses the IFSC code IDIB000S039 for all electronic settlement.
About the Surat branch
The Surat branch of Indian Bank is situated at SHOP NO12 TO 15 RESHAMWALA MARKET RING ROAD SURAT PIN 395002. 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 IDIB000S039 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 SURAT branch came to be assigned the code IDIB000S039.
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 IDIB000S039, money simply cannot be routed to the SURAT branch electronically.
How to transfer money using IFSC IDIB000S039
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 IDIB000S039 across all three.
NEFT to Indian Bank, SURAT using IFSC IDIB000S039
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 IDIB000S039, and confirm that the system picks up Indian Bank – SURAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000S039
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 – SURAT, ensure your bank's portal accepts IFSC IDIB000S039 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – SURAT, use IMPS. With IFSC IDIB000S039 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 IDIB000S039 for Indian Bank – SURAT, 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 – IDIB000S039 | Yes – IDIB000S039 | Yes – IDIB000S039 |
For most retail customers crediting the Surat 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 SURAT branch, the IFSC IDIB000S039 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 Surat branch is mapped to IFSC IDIB000S039 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 IDIB000S039.
Products and services
Customers walking into the Surat 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 IDIB000S039
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 IDIB000S039 and the account number together uniquely identify the Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Surat 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 IDIB000S039 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.
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 – SURAT:
- The IFSC is exactly IDIB000S039 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 SURAT 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.
Reaching the branch
The Surat branch sits at SHOP NO12 TO 15 RESHAMWALA MARKET RING ROAD SURAT PIN 395002. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2352743 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 IDIB000S039 and your account number.
Verifying IFSC IDIB000S039 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 IDIB000S039 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 261-2352743.
- Visiting the bank's official branch locator page.
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 Surat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000S039, however, work 24x7.
Branch address & contact
Indian BankSurat Branch
SHOP NO12 TO 15 RESHAMWALA MARKET RING ROAD SURAT PIN 395002
Surat, Gujarat
Phone: 261-2352743
IFSC: IDIB000S039
Frequently asked questions
Does Indian Bank Surat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 261-2352743 to confirm.
What is the IFSC code of Indian Bank Surat branch?
The IFSC code of Indian Bank, Surat branch is IDIB000S039. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000S039 the same for all accounts at Surat branch?
Yes. The IFSC IDIB000S039 is shared by every account held at Indian Bank's Surat branch. Only the account number changes from customer to customer.
How do I add Indian Bank Surat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000S039, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDIB000S039 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Surat reflect within 30 minutes.
What is the phone number of Indian Bank Surat branch?
You can reach the branch at 261-2352743 during regular banking hours.
Summary
The IFSC code IDIB000S039 belongs to Indian Bank's SURAT branch, located at SHOP NO12 TO 15 RESHAMWALA MARKET RING ROAD SURAT PIN 395002 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.
