If you are searching for the IFSC code of Indusind Bank, GUJJA PEER branch in AJNALA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is INDB0000974. 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 GUJJA PEER branch, and detailed step-by-step guides for using the IFSC INDB0000974 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.
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, INDB0000974 is the IFSC of Indusind Bank's GUJJA PEER branch. The format is fixed: INDB = bank code, 0 = reserved, 000974 = branch identifier.
Branch details at a glance
| Bank Name | Indusind Bank |
|---|---|
| Branch | Gujja Peer |
| IFSC Code | INDB0000974 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR KHASRA NO 148 VILLAGE GUJJA PEER P O DHARIWAL TEH AJNALA DISTT AMRITSAR |
| City | Ajnala |
| District | Amritsar |
| State | Punjab |
| STD Code | 1858 |
| Phone | 220042 |
Bank profile
Indusind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Gujja Peer branch — IFSC INDB0000974 — extends the bank's services to customers in and around Ajnala, Punjab.
About this branch
The branch is located at GROUND FLOOR KHASRA NO 148 VILLAGE GUJJA PEER P O DHARIWAL TEH AJNALA DISTT AMRITSAR. It serves the Ajnala region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indusind Bank. The IFSC INDB0000974 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 Indusind Bank's GUJJA PEER branch came to be assigned the code INDB0000974.
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 INDB0000974, money simply cannot be routed to the GUJJA PEER branch electronically.
How to transfer money using IFSC INDB0000974
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 INDB0000974 across all three.
How to use IFSC INDB0000974 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's GUJJA PEER 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC INDB0000974.
- Confirm the bank name auto-populates as Indusind Bank and the branch as GUJJA PEER.
- 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 GUJJA PEER
If you need to transfer ₹2 lakh or more in one go to an account at Indusind Bank's GUJJA PEER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC INDB0000974 while initiating the transfer and the credit will appear within minutes.
IMPS to Indusind Bank GUJJA PEER (IFSC INDB0000974)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC INDB0000974 in your mobile or internet banking app, and the money is credited to the GUJJA PEER branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC INDB0000974 for Indusind Bank – GUJJA PEER, 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 – INDB0000974 | Yes – INDB0000974 | Yes – INDB0000974 |
For most retail customers crediting the Gujja Peer 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.
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 GUJJA PEER branch, the IFSC INDB0000974 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 Gujja Peer branch
Once you have an account at Indusind Bank – GUJJA PEER, the IFSC INDB0000974 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 Gujja Peer branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1858-220042.
- 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 INDB0000974
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 INDB0000974 and the account number together uniquely identify the Gujja Peer branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC INDB0000974
Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the GUJJA PEER 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 INDB0000974 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 INDB0000974
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 Indusind Bank – GUJJA PEER, 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:
INDB0000974. - 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 Gujja Peer branch
The branch is located at GROUND FLOOR KHASRA NO 148 VILLAGE GUJJA PEER P O DHARIWAL TEH AJNALA DISTT AMRITSAR, which puts it inside Ajnala, the broader Amritsar district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Indusind Bank Gujja Peer branch” — the verified location pin for IFSC INDB0000974 should appear at the top of the results.
- Confirm the branch is open by calling 1858-220042 before stepping out, especially around public holidays.
- 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 INDB0000974 and your account number.
Verifying IFSC INDB0000974 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 INDB0000974 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1858-220042.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Gujja Peer 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 INDB0000974 continue to work without interruption.
Branch address & contact
Indusind BankGujja Peer Branch
GROUND FLOOR KHASRA NO 148 VILLAGE GUJJA PEER P O DHARIWAL TEH AJNALA DISTT AMRITSAR
Ajnala, Punjab
Phone: 1858-220042
IFSC: INDB0000974
Frequently asked questions
What is the phone number of Indusind Bank Gujja Peer branch?
You can reach the branch at 1858-220042 during regular banking hours.
How do I add Indusind Bank Gujja Peer as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC INDB0000974, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indusind Bank Gujja Peer branch?
The IFSC code of Indusind Bank, Gujja Peer branch is INDB0000974. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indusind Bank Gujja Peer branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1858-220042 to confirm.
Can I use IFSC INDB0000974 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC INDB0000974 to send funds instantly.
How quickly will an NEFT transfer using INDB0000974 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indusind Bank – Gujja Peer reflect within 30 minutes.
Final notes
To recap: INDB0000974 is the IFSC code of Indusind Bank, GUJJA PEER branch, in AJNALA, PUNJAB. 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.
