IFSC Code of Indusind Bank, Chandigarh Sec. Branch, Chandigarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indusind Bank, CHANDIGARH SEC. branch in CHANDIGARH. The 11-digit IFSC INDB0000318 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 CHANDIGARH SEC. 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.

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 CHANDIGARH SEC. branch, the IFSC INDB0000318 breaks down as follows: INDB identifies the bank, 0 is the reserved character, and 000318 identifies this particular branch.

Bank profile

Indusind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chandigarh Sec. branch — IFSC INDB0000318 — extends the bank's services to customers in and around Chandigarh, Chandigarh.

About this branch

The branch is located at SCO - 359-360, SEC 35-B, CHANDIGARH - 160035. It serves the Chandigarh 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 INDB0000318 is used to identify this branch on the RBI payments network.

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 CHANDIGARH SEC. branch came to be assigned the code INDB0000318.

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 INDB0000318, money simply cannot be routed to the CHANDIGARH SEC. 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 INDB0000318 and the account number together uniquely identify the Chandigarh Sec. branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC INDB0000318

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 INDB0000318 across all three.

NEFT to Indusind Bank, CHANDIGARH SEC. using IFSC INDB0000318

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 INDB0000318, and confirm that the system picks up Indusind Bank – CHANDIGARH SEC.. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHANDIGARH SEC.

If you need to transfer ₹2 lakh or more in one go to an account at Indusind Bank's CHANDIGARH SEC. branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC INDB0000318 while initiating the transfer and the credit will appear within minutes.

IMPS to Indusind Bank CHANDIGARH SEC. (IFSC INDB0000318)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC INDB0000318 in your mobile or internet banking app, and the money is credited to the CHANDIGARH SEC. branch account within seconds.

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

All three modes accept the IFSC INDB0000318 for Indusind Bank – CHANDIGARH SEC., 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 Chandigarh Sec. 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 INDB0000318

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 – CHANDIGARH SEC. is still mapped to IFSC INDB0000318. 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 INDB0000318 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chandigarh Sec. branch is mapped to IFSC INDB0000318 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 INDB0000318.

Banking services available

The Chandigarh Sec. 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 INDB0000318

Digital banking channels

Most day-to-day work that customers used to do at the Chandigarh Sec. 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 INDB0000318 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.

How to reach the Chandigarh Sec. branch

The branch is located at SCO - 359-360, SEC 35-B, CHANDIGARH - 160035, which puts it inside Chandigarh, the broader Chandigarh district, and the state of Chandigarh. To plan your visit:

1. Open Google Maps on your phone and search for “Indusind Bank Chandigarh Sec. branch” — the verified location pin for IFSC INDB0000318 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 INDB0000318 and your account number.

Common mistakes to avoid when using IFSC INDB0000318

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 – CHANDIGARH SEC., 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: INDB0000318.
• 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.

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 Chandigarh Sec. branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0000318, however, work 24x7.

Verifying IFSC INDB0000318 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 INDB0000318 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 address & contact

Frequently asked questions

Summary

The IFSC code INDB0000318 belongs to Indusind Bank's CHANDIGARH SEC. branch, located at SCO - 359-360, SEC 35-B, CHANDIGARH - 160035 in CHANDIGARH, 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.