If you are searching for the IFSC code of Indusind Bank, SHIBPUR, HOWRAH branch in HOWRAH, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is INDB0001946. 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 SHIBPUR, HOWRAH branch, and detailed step-by-step guides for using the IFSC INDB0001946 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 SHIBPUR, HOWRAH branch, the IFSC INDB0001946 breaks down as follows: INDB identifies the bank, 0 is the reserved character, and 001946 identifies this particular branch.
About the bank
Indusind Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Shibpur, Howrah branch in Howrah, West Bengal is part of this network and uses the IFSC code INDB0001946 for all electronic settlement.
Shibpur, Howrah branch overview
Located at 493 C B GT ROAD PS SHIBPUR PO BAISHNABPARA BAZAR HOWRAH WEST BENGAL 711102, the Shibpur, Howrah branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC INDB0001946 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indusind Bank |
|---|---|
| Branch | Shibpur, Howrah |
| IFSC Code | INDB0001946 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 493 C B GT ROAD PS SHIBPUR PO BAISHNABPARA BAZAR HOWRAH WEST BENGAL 711102 |
| City | Howrah |
| District | Gurgaon |
| State | West Bengal |
| STD Code | 33 |
| Phone | 26401296 |
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 SHIBPUR, HOWRAH branch came to be assigned the code INDB0001946.
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 INDB0001946, money simply cannot be routed to the SHIBPUR, HOWRAH branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Shibpur, Howrah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC INDB0001946 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC INDB0001946
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 INDB0001946 across all three.
How to use IFSC INDB0001946 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's SHIBPUR, HOWRAH 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC INDB0001946.
- Confirm the bank name auto-populates as Indusind Bank and the branch as SHIBPUR, HOWRAH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC INDB0001946
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 – SHIBPUR, HOWRAH, ensure your bank's portal accepts IFSC INDB0001946 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indusind Bank – SHIBPUR, HOWRAH, use IMPS. With IFSC INDB0001946 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 INDB0001946 for Indusind Bank – SHIBPUR, HOWRAH, 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 – INDB0001946 | Yes – INDB0001946 | Yes – INDB0001946 |
For most retail customers crediting the Shibpur, Howrah 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 INDB0001946
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 – SHIBPUR, HOWRAH is still mapped to IFSC INDB0001946. 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 INDB0001946 and the beneficiary's account number to complete the transfer.
Account types you can open at the Shibpur, Howrah branch
Once you have an account at Indusind Bank – SHIBPUR, HOWRAH, the IFSC INDB0001946 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.
Banking services available
The Shibpur, Howrah branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-26401296.
- 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 INDB0001946
Online banking and IFSC INDB0001946
Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the SHIBPUR, HOWRAH 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 INDB0001946 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.
Reaching the branch
The Shibpur, Howrah branch sits at 493 C B GT ROAD PS SHIBPUR PO BAISHNABPARA BAZAR HOWRAH WEST BENGAL 711102. If you are travelling from outside Howrah, search for the branch on a maps application using the bank name and locality, or call 33-26401296 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 INDB0001946 and your account number.
Common mistakes to avoid when using IFSC INDB0001946
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 – SHIBPUR, HOWRAH, 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:
INDB0001946. - 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 Shibpur, Howrah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0001946, however, work 24x7.
Verifying IFSC INDB0001946 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 INDB0001946 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-26401296.
- Visiting the bank's official branch locator page.
Branch address & contact
Indusind BankShibpur, Howrah Branch
493 C B GT ROAD PS SHIBPUR PO BAISHNABPARA BAZAR HOWRAH WEST BENGAL 711102
Howrah, West Bengal
Phone: 33-26401296
IFSC: INDB0001946
Frequently asked questions
How do I add Indusind Bank Shibpur, Howrah as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC INDB0001946, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indusind Bank Shibpur, Howrah branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-26401296 to confirm.
Where is Indusind Bank Shibpur, Howrah branch located?
Indusind Bank's Shibpur, Howrah branch is located at 493 C B GT ROAD PS SHIBPUR PO BAISHNABPARA BAZAR HOWRAH WEST BENGAL 711102, Howrah, West Bengal.
How quickly will an NEFT transfer using INDB0001946 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indusind Bank – Shibpur, Howrah reflect within 30 minutes.
Can I use IFSC INDB0001946 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC INDB0001946 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 Shibpur, Howrah branch but serve different purposes.
What is the IFSC code of Indusind Bank Shibpur, Howrah branch?
The IFSC code of Indusind Bank, Shibpur, Howrah branch is INDB0001946. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC INDB0001946 the same for all accounts at Shibpur, Howrah branch?
Yes. The IFSC INDB0001946 is shared by every account held at Indusind Bank's Shibpur, Howrah branch. Only the account number changes from customer to customer.
Summary
The IFSC code INDB0001946 belongs to Indusind Bank's SHIBPUR, HOWRAH branch, located at 493 C B GT ROAD PS SHIBPUR PO BAISHNABPARA BAZAR HOWRAH WEST BENGAL 711102 in HOWRAH, WEST BENGAL. 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.
