Use this page as a one-stop reference for everything related to Indian Bank's UDHAMPUR branch in UDHAMPUR, JAMMU AND KASHMIR. The branch's IFSC code IDIB000U509 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, IDIB000U509 is the IFSC of Indian Bank's UDHAMPUR branch. The format is fixed: IDIB = bank code, 0 = reserved, 00U509 = branch identifier.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Udhampur branch — IFSC IDIB000U509 — extends the bank's services to customers in and around Udhampur, Jammu and Kashmir.
About this branch
The branch is located at DHAR ROAD NEAR RAJ THEATRE DHAR ROAD UDHAMPUR UDHAMPUR PIN 182101. It serves the Udhampur 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 IDIB000U509 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Udhampur |
| IFSC Code | IDIB000U509 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DHAR ROAD NEAR RAJ THEATRE DHAR ROAD UDHAMPUR UDHAMPUR PIN 182101 |
| City | Udhampur |
| District | Udhampur |
| State | Jammu and Kashmir |
| STD Code | 199 |
| Phone | 2272799 |
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 UDHAMPUR branch came to be assigned the code IDIB000U509.
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 IDIB000U509, money simply cannot be routed to the UDHAMPUR 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 IDIB000U509 and the account number together uniquely identify the Udhampur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000U509
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 IDIB000U509 across all three.
NEFT to Indian Bank, UDHAMPUR using IFSC IDIB000U509
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 IDIB000U509, and confirm that the system picks up Indian Bank – UDHAMPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000U509
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 – UDHAMPUR, ensure your bank's portal accepts IFSC IDIB000U509 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – UDHAMPUR, use IMPS. With IFSC IDIB000U509 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Udhampur
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IDIB000U509:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at UDHAMPUR is still linked to IFSC IDIB000U509.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC IDIB000U509
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 – UDHAMPUR is still mapped to IFSC IDIB000U509. 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 IDIB000U509 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Udhampur branch is mapped to IFSC IDIB000U509 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 IDIB000U509.
Products and services
Customers walking into the Udhampur 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 IDIB000U509
Digital banking channels
Most day-to-day work that customers used to do at the Udhampur 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 IDIB000U509 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 Udhampur branch sits at DHAR ROAD NEAR RAJ THEATRE DHAR ROAD UDHAMPUR UDHAMPUR PIN 182101. If you are travelling from outside Udhampur, search for the branch on a maps application using the bank name and locality, or call 199-2272799 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 IDIB000U509 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 – UDHAMPUR:
- The IFSC is exactly IDIB000U509 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 UDHAMPUR 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.
Working hours
Branch counters at Udhampur 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 IDIB000U509 continue to work without interruption.
Verifying IFSC IDIB000U509 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 IDIB000U509 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 199-2272799.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankUdhampur Branch
DHAR ROAD NEAR RAJ THEATRE DHAR ROAD UDHAMPUR UDHAMPUR PIN 182101
Udhampur, Jammu and Kashmir
Phone: 199-2272799
IFSC: IDIB000U509
Frequently asked questions
Is IFSC IDIB000U509 the same for all accounts at Udhampur branch?
Yes. The IFSC IDIB000U509 is shared by every account held at Indian Bank's Udhampur branch. Only the account number changes from customer to customer.
Is IFSC IDIB000U509 valid for NEFT and RTGS?
Yes. IFSC IDIB000U509 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Bank Udhampur branch located?
Indian Bank's Udhampur branch is located at DHAR ROAD NEAR RAJ THEATRE DHAR ROAD UDHAMPUR UDHAMPUR PIN 182101, Udhampur, Jammu and Kashmir.
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 Udhampur branch but serve different purposes.
What is the phone number of Indian Bank Udhampur branch?
You can reach the branch at 199-2272799 during regular banking hours.
How quickly will an NEFT transfer using IDIB000U509 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Udhampur reflect within 30 minutes.
Can I use IFSC IDIB000U509 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000U509 to send funds instantly.
Summary
The IFSC code IDIB000U509 belongs to Indian Bank's UDHAMPUR branch, located at DHAR ROAD NEAR RAJ THEATRE DHAR ROAD UDHAMPUR UDHAMPUR PIN 182101 in UDHAMPUR, JAMMU AND KASHMIR. 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.
