IFSC Code of Indian Bank, Wellesley Ganj Mirzapur Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Indian Bank's WELLESLEY GANJ MIRZAPUR branch in WELLESELEY GANJ, UTTAR PRADESH. The branch's IFSC code IDIB000M085 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.

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 – WELLESLEY GANJ MIRZAPUR is IDIB000M085. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00M085 map to this branch in WELLESELEY GANJ, UTTAR PRADESH.

Branch details at a glance

About the bank

Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Wellesley Ganj Mirzapur branch in Welleseley Ganj, Uttar Pradesh is part of this network and uses the IFSC code IDIB000M085 for all electronic settlement.

About the Wellesley Ganj Mirzapur branch

The Wellesley Ganj Mirzapur branch of Indian Bank is situated at SWAMI DAYANAND MARG NEAR ARYA KANYA INTER COLLEGE WELLESELEY GANJ WELLESELEY GANJ PIN 231001. 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 IDIB000M085 is used.

Why every Indian Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including WELLESLEY GANJ MIRZAPUR of Indian Bank — its own 11-character IFSC. The code IDIB000M085 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IDIB000M085 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IDIB000M085

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 IDIB000M085 across all three.

NEFT to Indian Bank, WELLESLEY GANJ MIRZAPUR using IFSC IDIB000M085

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 IDIB000M085, and confirm that the system picks up Indian Bank – WELLESLEY GANJ MIRZAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to WELLESLEY GANJ MIRZAPUR

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's WELLESLEY GANJ MIRZAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000M085 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank WELLESLEY GANJ MIRZAPUR (IFSC IDIB000M085)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000M085 in your mobile or internet banking app, and the money is credited to the WELLESLEY GANJ MIRZAPUR branch account within seconds.

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

All three modes accept the IFSC IDIB000M085 for Indian Bank – WELLESLEY GANJ MIRZAPUR, 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 Wellesley Ganj Mirzapur 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 IDIB000M085

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 – WELLESLEY GANJ MIRZAPUR is still mapped to IFSC IDIB000M085. 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 IDIB000M085 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Wellesley Ganj Mirzapur branch is mapped to IFSC IDIB000M085 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 IDIB000M085.

Products and services

Customers walking into the Wellesley Ganj Mirzapur 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 IDIB000M085

MICR & cheque-truncation details

Cheques drawn on the Wellesley Ganj Mirzapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000M085 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IDIB000M085

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the WELLESLEY GANJ MIRZAPUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IDIB000M085 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC IDIB000M085

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 – WELLESLEY GANJ MIRZAPUR, 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: IDIB000M085.
• 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.

How to reach the Wellesley Ganj Mirzapur branch

The branch is located at SWAMI DAYANAND MARG NEAR ARYA KANYA INTER COLLEGE WELLESELEY GANJ WELLESELEY GANJ PIN 231001, which puts it inside Welleseley Ganj, the broader Mirzapur district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Wellesley Ganj Mirzapur branch” — the verified location pin for IFSC IDIB000M085 should appear at the top of the results.
2. Confirm the branch is open by calling 5442-220156 before stepping out, especially around public holidays.
3. 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 IDIB000M085 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000M085 for Indian Bank – WELLESLEY GANJ MIRZAPUR, 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 Wellesley Ganj Mirzapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000M085, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000M085 belongs to Indian Bank's WELLESLEY GANJ MIRZAPUR branch, located at SWAMI DAYANAND MARG NEAR ARYA KANYA INTER COLLEGE WELLESELEY GANJ WELLESELEY… in WELLESELEY GANJ, UTTAR PRADESH. 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.