IFSC Code of Indusind Bank, Simga Branch, Chandigarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indusind Bank, SIMGA branch in BHATAPARA. The 11-digit IFSC INDB0000489 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indusind Bank at the SIMGA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 Indusind Bank – SIMGA is INDB0000489. The first four letters INDB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000489 map to this branch in BHATAPARA, CHANDIGARH.

Branch details at a glance

About the bank

Indusind Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Simga branch in Bhatapara, Chandigarh is part of this network and uses the IFSC code INDB0000489 for all electronic settlement.

About the Simga branch

The Simga branch of Indusind Bank is situated at GROUND FLOOR, HOUSE NO 1015/1 & 1017/1, R.B. ROAD, APPU CHOWK, VILLAGE SIMGA, BLOCK BHATAPARA DIST RAIPUR, CHHATISGARH 493101. 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 INDB0000489 is used.

Why every Indusind 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 SIMGA of Indusind Bank — its own 11-character IFSC. The code INDB0000489 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 INDB0000489 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 INDB0000489

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 INDB0000489 across all three.

How to use IFSC INDB0000489 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's SIMGA 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 INDB0000489.
4. Confirm the bank name auto-populates as Indusind Bank and the branch as SIMGA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC INDB0000489

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 Indusind Bank – SIMGA, ensure your bank's portal accepts IFSC INDB0000489 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indusind Bank SIMGA (IFSC INDB0000489)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC INDB0000489 in your mobile or internet banking app, and the money is credited to the SIMGA branch account within seconds.

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

All three modes accept the IFSC INDB0000489 for Indusind Bank – SIMGA, 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 Simga 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 INDB0000489

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 Indusind Bank – SIMGA is still mapped to IFSC INDB0000489. 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 INDB0000489 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Simga branch is mapped to IFSC INDB0000489 on the RBI payments network. The branch generally supports the full retail product catalogue of Indusind 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 INDB0000489.

Banking services available

The Simga branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 INDB0000489

MICR & cheque-truncation details

Cheques drawn on the Simga branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC INDB0000489 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Simga 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 INDB0000489 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.

Common mistakes to avoid when using IFSC INDB0000489

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 – SIMGA, 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: INDB0000489.
• 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.

Reaching the branch

The Simga branch sits at GROUND FLOOR, HOUSE NO 1015/1 & 1017/1, R.B. ROAD, APPU CHOWK, VILLAGE SIMGA, BLOCK BHATAPARA DIST RAIPUR, CHHATISGARH 493101. If you are travelling from outside Bhatapara, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 INDB0000489 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC INDB0000489 for Indusind Bank – SIMGA, 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 Simga branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0000489, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code INDB0000489 belongs to Indusind Bank's SIMGA branch, located at GROUND FLOOR, HOUSE NO 1015/1 & 1017/1, R.B. ROAD, APPU CHOWK, VILLAGE SIMGA,… in BHATAPARA, CHANDIGARH. 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.