Below are the complete branch details for Indusind Bank, DHARMAJ branch, located in DHARMAJ, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is INDB0000089. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case INDB0000089 for Indusind Bank – DHARMAJ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, INDB0000089 is the IFSC of Indusind Bank's DHARMAJ branch. The format is fixed: INDB = bank code, 0 = reserved, 000089 = branch identifier.
Bank profile
Indusind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Dharmaj branch — IFSC INDB0000089 — extends the bank's services to customers in and around Dharmaj, Gujarat.
Branch details at a glance
| Bank Name | Indusind Bank |
|---|---|
| Branch | Dharmaj |
| IFSC Code | INDB0000089 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DHARMAJ CO-OPERATIVE CONSUMERS STORES LTD, DHARMAJ, DISTRICT ANAND, GUJARAT 388430 |
| City | Dharmaj |
| District | Anand |
| State | Gujarat |
| STD Code | 0 |
| Phone | 0 |
About this branch
The branch is located at DHARMAJ CO-OPERATIVE CONSUMERS STORES LTD, DHARMAJ, DISTRICT ANAND, GUJARAT 388430. It serves the Dharmaj 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 INDB0000089 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 DHARMAJ of Indusind Bank — its own 11-character IFSC. The code INDB0000089 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 INDB0000089 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Dharmaj branch is mapped to IFSC INDB0000089 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 INDB0000089.
Products and services
Customers walking into the Dharmaj branch can access most of Indusind Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC INDB0000089
How to transfer money using IFSC INDB0000089
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 INDB0000089 across all three.
NEFT to Indusind Bank, DHARMAJ using IFSC INDB0000089
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 INDB0000089, and confirm that the system picks up Indusind Bank – DHARMAJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC INDB0000089
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 – DHARMAJ, ensure your bank's portal accepts IFSC INDB0000089 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indusind Bank – DHARMAJ, use IMPS. With IFSC INDB0000089 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 INDB0000089 for Indusind Bank – DHARMAJ, 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 – INDB0000089 | Yes – INDB0000089 | Yes – INDB0000089 |
For most retail customers crediting the Dharmaj 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 DHARMAJ branch, the IFSC INDB0000089 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.
Online banking and IFSC INDB0000089
Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the DHARMAJ 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 INDB0000089 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.
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 INDB0000089 and the account number together uniquely identify the Dharmaj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC INDB0000089
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 – DHARMAJ, 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:
INDB0000089. - 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 Dharmaj branch
The branch is located at DHARMAJ CO-OPERATIVE CONSUMERS STORES LTD, DHARMAJ, DISTRICT ANAND, GUJARAT 388430, which puts it inside Dharmaj, the broader Anand district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Indusind Bank Dharmaj branch” — the verified location pin for IFSC INDB0000089 should appear at the top of the results.
- Confirm the branch is open by calling 0 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 INDB0000089 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC INDB0000089 for Indusind Bank – DHARMAJ, 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 Dharmaj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0000089, however, work 24x7.
Branch address & contact
Indusind BankDharmaj Branch
DHARMAJ CO-OPERATIVE CONSUMERS STORES LTD, DHARMAJ, DISTRICT ANAND, GUJARAT 388430
Dharmaj, Gujarat
Phone: 0
IFSC: INDB0000089
Frequently asked questions
Is IFSC INDB0000089 valid for NEFT and RTGS?
Yes. IFSC INDB0000089 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using INDB0000089 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indusind Bank – Dharmaj reflect within 30 minutes.
Can I use IFSC INDB0000089 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC INDB0000089 to send funds instantly.
What is the phone number of Indusind Bank Dharmaj branch?
You can reach the branch at 0 during regular banking hours.
What is the IFSC code of Indusind Bank Dharmaj branch?
The IFSC code of Indusind Bank, Dharmaj branch is INDB0000089. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC INDB0000089 the same for all accounts at Dharmaj branch?
Yes. The IFSC INDB0000089 is shared by every account held at Indusind Bank's Dharmaj branch. Only the account number changes from customer to customer.
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 Dharmaj branch but serve different purposes.
Summary
The IFSC code INDB0000089 belongs to Indusind Bank's DHARMAJ branch, located at DHARMAJ CO-OPERATIVE CONSUMERS STORES LTD, DHARMAJ, DISTRICT ANAND, GUJARAT… in DHARMAJ, 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.
