Below are the complete branch details for Indusind Bank, GORAYA branch, located in JALANDHAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is INDB0002171. 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 INDB0002171 for Indusind Bank – GORAYA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 GORAYA branch, the IFSC INDB0002171 breaks down as follows: INDB identifies the bank, 0 is the reserved character, and 002171 identifies this particular branch.
About Indusind Bank
Indusind Bank operates a wide network of branches across India, including the Goraya branch in Jalandhar. 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, INDB0002171.
Branch details at a glance
| Bank Name | Indusind Bank |
|---|---|
| Branch | Goraya |
| IFSC Code | INDB0002171 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR TOWN SQUARE G T ROAD GORAYA TEHSIL PHILLAUR DISTRICT JALLANDHAR 144409 |
| City | Jalandhar |
| District | Jalandhar |
| State | Punjab |
| STD Code | 1826 |
| Phone | 257643 |
About this branch
The branch is located at GROUND FLOOR TOWN SQUARE G T ROAD GORAYA TEHSIL PHILLAUR DISTRICT JALLANDHAR 144409. It serves the Jalandhar 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 INDB0002171 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 GORAYA of Indusind Bank — its own 11-character IFSC. The code INDB0002171 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 INDB0002171 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 Goraya branch is mapped to IFSC INDB0002171 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 INDB0002171.
Products and services
Customers walking into the Goraya 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 INDB0002171
How to transfer money using IFSC INDB0002171
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 INDB0002171 across all three.
NEFT to Indusind Bank, GORAYA using IFSC INDB0002171
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 INDB0002171, and confirm that the system picks up Indusind Bank – GORAYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC INDB0002171
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 – GORAYA, ensure your bank's portal accepts IFSC INDB0002171 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indusind Bank – GORAYA, use IMPS. With IFSC INDB0002171 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 INDB0002171 for Indusind Bank – GORAYA, 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 – INDB0002171 | Yes – INDB0002171 | Yes – INDB0002171 |
For most retail customers crediting the Goraya 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 GORAYA branch, the IFSC INDB0002171 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.
Digital banking channels
Most day-to-day work that customers used to do at the Goraya 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 INDB0002171 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.
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 INDB0002171 and the account number together uniquely identify the Goraya branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – GORAYA:
- The IFSC is exactly INDB0002171 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 GORAYA 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.
How to reach the Goraya branch
The branch is located at GROUND FLOOR TOWN SQUARE G T ROAD GORAYA TEHSIL PHILLAUR DISTRICT JALLANDHAR 144409, which puts it inside Jalandhar, the broader Jalandhar district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Indusind Bank Goraya branch” — the verified location pin for IFSC INDB0002171 should appear at the top of the results.
- Confirm the branch is open by calling 1826-257643 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 INDB0002171 and your account number.
Verifying IFSC INDB0002171 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 INDB0002171 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1826-257643.
- 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 Goraya branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0002171, however, work 24x7.
Branch address & contact
Indusind BankGoraya Branch
GROUND FLOOR TOWN SQUARE G T ROAD GORAYA TEHSIL PHILLAUR DISTRICT JALLANDHAR 144409
Jalandhar, Punjab
Phone: 1826-257643
IFSC: INDB0002171
Frequently asked questions
Is IFSC INDB0002171 valid for NEFT and RTGS?
Yes. IFSC INDB0002171 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indusind Bank Goraya as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC INDB0002171, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indusind Bank Goraya branch?
You can reach the branch at 1826-257643 during regular banking hours.
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 Goraya branch but serve different purposes.
How quickly will an NEFT transfer using INDB0002171 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indusind Bank – Goraya reflect within 30 minutes.
Can I use IFSC INDB0002171 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC INDB0002171 to send funds instantly.
Does Indusind Bank Goraya branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1826-257643 to confirm.
Is IFSC INDB0002171 the same for all accounts at Goraya branch?
Yes. The IFSC INDB0002171 is shared by every account held at Indusind Bank's Goraya branch. Only the account number changes from customer to customer.
Final notes
To recap: INDB0002171 is the IFSC code of Indusind Bank, GORAYA branch, in JALANDHAR, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
