Use this page as a one-stop reference for everything related to Indian Bank's UTTAMPUR branch in UTTAMPUR, BIHAR. The branch's IFSC code IDIB000U539 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, IDIB000U539 is the IFSC of Indian Bank's UTTAMPUR branch. The format is fixed: IDIB = bank code, 0 = reserved, 00U539 = branch identifier.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Uttampur branch in Uttampur, Bihar is part of this network and uses the IFSC code IDIB000U539 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Uttampur |
| IFSC Code | IDIB000U539 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UTTAMPUR VILL RAJPUR PO UTTAMPUR RAJPUR PIN 802122 |
| City | Uttampur |
| District | Buxar |
| State | Bihar |
| STD Code | 91 |
| Phone | 7249923233 |
About this branch
The branch is located at UTTAMPUR VILL RAJPUR PO UTTAMPUR RAJPUR PIN 802122. It serves the Uttampur 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 IDIB000U539 is used to identify this branch on the RBI payments network.
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 UTTAMPUR branch came to be assigned the code IDIB000U539.
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 IDIB000U539, money simply cannot be routed to the UTTAMPUR branch electronically.
Products and account variants supported
Every account opened at the Uttampur branch is mapped to IFSC IDIB000U539 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 IDIB000U539.
Banking services available
The Uttampur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7249923233.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDIB000U539
How to transfer money using IFSC IDIB000U539
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 IDIB000U539 across all three.
NEFT to Indian Bank, UTTAMPUR using IFSC IDIB000U539
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 IDIB000U539, and confirm that the system picks up Indian Bank – UTTAMPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000U539
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 – UTTAMPUR, ensure your bank's portal accepts IFSC IDIB000U539 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank UTTAMPUR (IFSC IDIB000U539)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000U539 in your mobile or internet banking app, and the money is credited to the UTTAMPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000U539 for Indian Bank – UTTAMPUR, 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 – IDIB000U539 | Yes – IDIB000U539 | Yes – IDIB000U539 |
For most retail customers crediting the Uttampur 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 IDIB000U539
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 – UTTAMPUR is still mapped to IFSC IDIB000U539. 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 IDIB000U539 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Uttampur 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 IDIB000U539 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.
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 IDIB000U539 and the account number together uniquely identify the Uttampur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – UTTAMPUR:
- The IFSC is exactly IDIB000U539 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 UTTAMPUR 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 Uttampur branch sits at UTTAMPUR VILL RAJPUR PO UTTAMPUR RAJPUR PIN 802122. If you are travelling from outside Uttampur, search for the branch on a maps application using the bank name and locality, or call 91-7249923233 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 IDIB000U539 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000U539 for Indian Bank – UTTAMPUR, 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 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 Uttampur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000U539, however, work 24x7.
Branch address & contact
Indian BankUttampur Branch
UTTAMPUR VILL RAJPUR PO UTTAMPUR RAJPUR PIN 802122
Uttampur, Bihar
Phone: 91-7249923233
IFSC: IDIB000U539
Frequently asked questions
Does Indian Bank Uttampur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7249923233 to confirm.
Where is Indian Bank Uttampur branch located?
Indian Bank's Uttampur branch is located at UTTAMPUR VILL RAJPUR PO UTTAMPUR RAJPUR PIN 802122, Uttampur, Bihar.
Is IFSC IDIB000U539 valid for NEFT and RTGS?
Yes. IFSC IDIB000U539 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Uttampur branch but serve different purposes.
Is IFSC IDIB000U539 the same for all accounts at Uttampur branch?
Yes. The IFSC IDIB000U539 is shared by every account held at Indian Bank's Uttampur branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Uttampur branch?
You can reach the branch at 91-7249923233 during regular banking hours.
How quickly will an NEFT transfer using IDIB000U539 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Uttampur reflect within 30 minutes.
Final notes
To recap: IDIB000U539 is the IFSC code of Indian Bank, UTTAMPUR branch, in UTTAMPUR, BIHAR. 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.
