IFSC Code of Indusind Bank, Shahganj Agra Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Indusind Bank's SHAHGANJ AGRA branch in AGRA, UTTAR PRADESH. The branch's IFSC code INDB0002046 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, INDB0002046 is the IFSC of Indusind Bank's SHAHGANJ AGRA branch. The format is fixed: INDB = bank code, 0 = reserved, 002046 = branch identifier.

About the bank

Indusind Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Shahganj Agra branch in Agra, Uttar Pradesh is part of this network and uses the IFSC code INDB0002046 for all electronic settlement.

About the Shahganj Agra branch

The Shahganj Agra branch of Indusind Bank is situated at GROUND FLOOR 19A 114 PLOT NO 1 KHASRA NO 883 NORTH SAKET COLONY RISHI MARG MG2 SHAHGANJ AGRA 282010 UTTAR PRADESH. 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 INDB0002046 is used.

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 Indusind Bank's SHAHGANJ AGRA branch came to be assigned the code INDB0002046.

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 INDB0002046, money simply cannot be routed to the SHAHGANJ AGRA branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Indusind Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC INDB0002046 and the account number together uniquely identify the Shahganj Agra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC INDB0002046

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 INDB0002046 across all three.

How to use IFSC INDB0002046 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's SHAHGANJ AGRA 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 INDB0002046.
4. Confirm the bank name auto-populates as Indusind Bank and the branch as SHAHGANJ AGRA.
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 SHAHGANJ AGRA

If you need to transfer ₹2 lakh or more in one go to an account at Indusind Bank's SHAHGANJ AGRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC INDB0002046 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Indusind Bank – SHAHGANJ AGRA, use IMPS. With IFSC INDB0002046 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 Shahganj Agra

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 INDB0002046:

• 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 SHAHGANJ AGRA is still linked to IFSC INDB0002046.

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.

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 Indusind Bank's SHAHGANJ AGRA branch, the IFSC INDB0002046 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.

Account types you can open at the Shahganj Agra branch

Once you have an account at Indusind Bank – SHAHGANJ AGRA, the IFSC INDB0002046 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Shahganj Agra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 562-8239888844.

• 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 INDB0002046

Online banking and IFSC INDB0002046

Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the SHAHGANJ AGRA 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 INDB0002046 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.

How to reach the Shahganj Agra branch

The branch is located at GROUND FLOOR 19A 114 PLOT NO 1 KHASRA NO 883 NORTH SAKET COLONY RISHI MARG MG2 SHAHGANJ AGRA 282010 UTTAR PRADESH, which puts it inside Agra, the broader Agra district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indusind Bank Shahganj Agra branch” — the verified location pin for IFSC INDB0002046 should appear at the top of the results.
2. Confirm the branch is open by calling 562-8239888844 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 INDB0002046 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 Indusind Bank – SHAHGANJ AGRA:

• The IFSC is exactly INDB0002046 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Indusind Bank as the bank name and SHAHGANJ AGRA 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 Shahganj Agra 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 INDB0002046 continue to work without interruption.

Verifying IFSC INDB0002046 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 INDB0002046 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 562-8239888844.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code INDB0002046 belongs to Indusind Bank's SHAHGANJ AGRA branch, located at GROUND FLOOR 19A 114 PLOT NO 1 KHASRA NO 883 NORTH SAKET COLONY RISHI MARG MG2… in AGRA, 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.