If you are searching for the IFSC code of Indusind Bank, BHAVNAGAR branch in BHAVNAGAR, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is INDB0000078. 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 BHAVNAGAR branch, and detailed step-by-step guides for using the IFSC INDB0000078 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indusind Bank's BHAVNAGAR branch, the IFSC INDB0000078 breaks down as follows: INDB identifies the bank, 0 is the reserved character, and 000078 identifies this particular branch.
Branch details at a glance
| Bank Name | Indusind Bank |
|---|---|
| Branch | Bhavnagar |
| IFSC Code | INDB0000078 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NOS 1 TO 7 AND 13, MADHAV HILLS WAGHAWADI ROAD, BHAVNAGAR 364 002 |
| City | Bhavnagar |
| District | Bhavnagar |
| State | Gujarat |
About Indusind Bank
Indusind Bank operates a wide network of branches across India, including the Bhavnagar branch in Bhavnagar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, INDB0000078.
About this branch
The branch is located at SHOP NOS 1 TO 7 AND 13, MADHAV HILLS WAGHAWADI ROAD, BHAVNAGAR 364 002. It serves the Bhavnagar 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 INDB0000078 is used to identify this branch on the RBI payments network.
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 BHAVNAGAR of Indusind Bank — its own 11-character IFSC. The code INDB0000078 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 INDB0000078 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 INDB0000078
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 INDB0000078 across all three.
NEFT to Indusind Bank, BHAVNAGAR using IFSC INDB0000078
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 INDB0000078, and confirm that the system picks up Indusind Bank – BHAVNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC INDB0000078
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 – BHAVNAGAR, ensure your bank's portal accepts IFSC INDB0000078 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indusind Bank – BHAVNAGAR, use IMPS. With IFSC INDB0000078 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC INDB0000078 for Indusind Bank – BHAVNAGAR, 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 – INDB0000078 | Yes – INDB0000078 | Yes – INDB0000078 |
For most retail customers crediting the Bhavnagar 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 BHAVNAGAR branch, the IFSC INDB0000078 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.
Products and account variants supported
Every account opened at the Bhavnagar branch is mapped to IFSC INDB0000078 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 INDB0000078.
Banking services available
The Bhavnagar 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 INDB0000078
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 INDB0000078 and the account number together uniquely identify the Bhavnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC INDB0000078
Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the BHAVNAGAR 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 INDB0000078 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.
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 – BHAVNAGAR:
- The IFSC is exactly INDB0000078 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 BHAVNAGAR 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 Bhavnagar branch sits at SHOP NOS 1 TO 7 AND 13, MADHAV HILLS WAGHAWADI ROAD, BHAVNAGAR 364 002. If you are travelling from outside Bhavnagar, 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 INDB0000078 and your account number.
Verifying IFSC INDB0000078 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 INDB0000078 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
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 Bhavnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0000078, however, work 24x7.
Branch address & contact
Indusind BankBhavnagar Branch
SHOP NOS 1 TO 7 AND 13, MADHAV HILLS WAGHAWADI ROAD, BHAVNAGAR 364 002
Bhavnagar, Gujarat
Phone: the branch contact number
IFSC: INDB0000078
Frequently asked questions
What is the IFSC code of Indusind Bank Bhavnagar branch?
The IFSC code of Indusind Bank, Bhavnagar branch is INDB0000078. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indusind Bank Bhavnagar branch located?
Indusind Bank's Bhavnagar branch is located at SHOP NOS 1 TO 7 AND 13, MADHAV HILLS WAGHAWADI ROAD, BHAVNAGAR 364 002, Bhavnagar, Gujarat.
Does Indusind Bank Bhavnagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How do I add Indusind Bank Bhavnagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC INDB0000078, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC INDB0000078 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC INDB0000078 to send funds instantly.
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 Bhavnagar branch but serve different purposes.
Is IFSC INDB0000078 valid for NEFT and RTGS?
Yes. IFSC INDB0000078 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using INDB0000078 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indusind Bank – Bhavnagar reflect within 30 minutes.
Summary
The IFSC code INDB0000078 belongs to Indusind Bank's BHAVNAGAR branch, located at SHOP NOS 1 TO 7 AND 13, MADHAV HILLS WAGHAWADI ROAD, BHAVNAGAR 364 002 in BHAVNAGAR, GUJARAT. 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.
