IFSC Code of Indian Bank, Ambarnath Shivaji Chowk Branch, Maharashtra

If you are searching for the IFSC code of Indian Bank, AMBARNATH SHIVAJI CHOWK branch in THANE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is IDIB000A156. 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 AMBARNATH SHIVAJI CHOWK branch, and detailed step-by-step guides for using the IFSC IDIB000A156 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 – AMBARNATH SHIVAJI CHOWK is IDIB000A156. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00A156 map to this branch in THANE, MAHARASHTRA.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ambarnath Shivaji Chowk branch — IFSC IDIB000A156 — extends the bank's services to customers in and around Thane, Maharashtra.

Ambarnath Shivaji Chowk branch overview

Located at SHOP NO 3039GROUND FLOOR SWANAND SHOPPING COMPLEX B CABIN ROADSHIVAJI CHOWK AMBARNATH EAST) PIN 421501, the Ambarnath Shivaji Chowk branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000A156 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 AMBARNATH SHIVAJI CHOWK branch came to be assigned the code IDIB000A156.

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 IDIB000A156, money simply cannot be routed to the AMBARNATH SHIVAJI CHOWK branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ambarnath Shivaji Chowk branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000A156 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 IDIB000A156

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 IDIB000A156 across all three.

How to use IFSC IDIB000A156 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's AMBARNATH SHIVAJI CHOWK 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IDIB000A156.
4. Confirm the bank name auto-populates as Indian Bank and the branch as AMBARNATH SHIVAJI CHOWK.
5. 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 AMBARNATH SHIVAJI CHOWK

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's AMBARNATH SHIVAJI CHOWK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000A156 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank AMBARNATH SHIVAJI CHOWK (IFSC IDIB000A156)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000A156 in your mobile or internet banking app, and the money is credited to the AMBARNATH SHIVAJI CHOWK branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IDIB000A156 for Indian Bank – AMBARNATH SHIVAJI CHOWK, 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.

For most retail customers crediting the Ambarnath Shivaji Chowk 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 IDIB000A156

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 – AMBARNATH SHIVAJI CHOWK is still mapped to IFSC IDIB000A156. 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 IDIB000A156 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ambarnath Shivaji Chowk branch is mapped to IFSC IDIB000A156 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 IDIB000A156.

Products and services

Customers walking into the Ambarnath Shivaji Chowk 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 IDIB000A156

Digital banking channels

Most day-to-day work that customers used to do at the Ambarnath Shivaji Chowk 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 IDIB000A156 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 Ambarnath Shivaji Chowk branch sits at SHOP NO 3039GROUND FLOOR SWANAND SHOPPING COMPLEX B CABIN ROADSHIVAJI CHOWK AMBARNATH EAST) PIN 421501. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 251-2607121 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 IDIB000A156 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 – AMBARNATH SHIVAJI CHOWK:

• The IFSC is exactly IDIB000A156 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 AMBARNATH SHIVAJI CHOWK 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 Ambarnath Shivaji Chowk branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000A156, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000A156 for Indian Bank – AMBARNATH SHIVAJI CHOWK, 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

Frequently asked questions

Summary

The IFSC code IDIB000A156 belongs to Indian Bank's AMBARNATH SHIVAJI CHOWK branch, located at SHOP NO 3039GROUND FLOOR SWANAND SHOPPING COMPLEX B CABIN ROADSHIVAJI CHOWK… in THANE, MAHARASHTRA. 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.