Below are the complete branch details for Indusind Bank, HARDO BATHWALA branch, located in HARDO BATHWALA GURDASPUR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is INDB0001348. 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 INDB0001348 for Indusind Bank – HARDO BATHWALA — 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, INDB0001348 is the IFSC of Indusind Bank's HARDO BATHWALA branch. The format is fixed: INDB = bank code, 0 = reserved, 001348 = branch identifier.
About Indusind Bank
Indusind Bank operates a wide network of branches across India, including the Hardo Bathwala branch in Hardo Bathwala Gurdaspur. 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, INDB0001348.
Hardo Bathwala branch overview
Located at INDUSIND BANK LTD VILLAGE HARDO BATHWALA PO GURDASPURTEH AND DISTT GURDASPUR 143521, the Hardo Bathwala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC INDB0001348 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indusind Bank |
|---|---|
| Branch | Hardo Bathwala |
| IFSC Code | INDB0001348 |
| MICR Code | Refer to cheque leaf |
| Branch Address | INDUSIND BANK LTD VILLAGE HARDO BATHWALA PO GURDASPURTEH AND DISTT GURDASPUR 143521 |
| City | Hardo Bathwala Gurdaspur |
| District | Gurdaspur |
| State | Punjab |
| STD Code | 1874 |
| Phone | 7341101920 |
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 HARDO BATHWALA branch came to be assigned the code INDB0001348.
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 INDB0001348, money simply cannot be routed to the HARDO BATHWALA 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 INDB0001348 and the account number together uniquely identify the Hardo Bathwala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC INDB0001348
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 INDB0001348 across all three.
NEFT to Indusind Bank, HARDO BATHWALA using IFSC INDB0001348
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 INDB0001348, and confirm that the system picks up Indusind Bank – HARDO BATHWALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC INDB0001348
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 – HARDO BATHWALA, ensure your bank's portal accepts IFSC INDB0001348 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indusind Bank HARDO BATHWALA (IFSC INDB0001348)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC INDB0001348 in your mobile or internet banking app, and the money is credited to the HARDO BATHWALA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC INDB0001348 for Indusind Bank – HARDO BATHWALA, 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 – INDB0001348 | Yes – INDB0001348 | Yes – INDB0001348 |
For most retail customers crediting the Hardo Bathwala 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 INDB0001348
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 – HARDO BATHWALA is still mapped to IFSC INDB0001348. 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 INDB0001348 and the beneficiary's account number to complete the transfer.
Account types you can open at the Hardo Bathwala branch
Once you have an account at Indusind Bank – HARDO BATHWALA, the IFSC INDB0001348 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.
Products and services
Customers walking into the Hardo Bathwala 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 INDB0001348
Digital banking channels
Most day-to-day work that customers used to do at the Hardo Bathwala 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 INDB0001348 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 Hardo Bathwala branch
The branch is located at INDUSIND BANK LTD VILLAGE HARDO BATHWALA PO GURDASPURTEH AND DISTT GURDASPUR 143521, which puts it inside Hardo Bathwala Gurdaspur, the broader Gurdaspur district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Indusind Bank Hardo Bathwala branch” — the verified location pin for IFSC INDB0001348 should appear at the top of the results.
- Confirm the branch is open by calling 1874-7341101920 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 INDB0001348 and your account number.
Common mistakes to avoid when using IFSC INDB0001348
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 – HARDO BATHWALA, 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:
INDB0001348. - 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.
Working hours
Branch counters at Hardo Bathwala 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 INDB0001348 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC INDB0001348 for Indusind Bank – HARDO BATHWALA, 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 address & contact
Indusind BankHardo Bathwala Branch
INDUSIND BANK LTD VILLAGE HARDO BATHWALA PO GURDASPURTEH AND DISTT GURDASPUR 143521
Hardo Bathwala Gurdaspur, Punjab
Phone: 1874-7341101920
IFSC: INDB0001348
Frequently asked questions
Can I use IFSC INDB0001348 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC INDB0001348 to send funds instantly.
How do I add Indusind Bank Hardo Bathwala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC INDB0001348, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indusind Bank Hardo Bathwala branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1874-7341101920 to confirm.
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 Hardo Bathwala branch but serve different purposes.
Is IFSC INDB0001348 the same for all accounts at Hardo Bathwala branch?
Yes. The IFSC INDB0001348 is shared by every account held at Indusind Bank's Hardo Bathwala branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using INDB0001348 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indusind Bank – Hardo Bathwala reflect within 30 minutes.
Is IFSC INDB0001348 valid for NEFT and RTGS?
Yes. IFSC INDB0001348 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indusind Bank Hardo Bathwala branch?
You can reach the branch at 1874-7341101920 during regular banking hours.
Summary
The IFSC code INDB0001348 belongs to Indusind Bank's HARDO BATHWALA branch, located at INDUSIND BANK LTD VILLAGE HARDO BATHWALA PO GURDASPURTEH AND DISTT GURDASPUR… in HARDO BATHWALA GURDASPUR, PUNJAB. 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.
