Below are the complete branch details for Indusind Bank, KAPURTHALA branch, located in KAPURTHALA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is INDB0000802. 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 INDB0000802 for Indusind Bank – KAPURTHALA — 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 KAPURTHALA branch, the IFSC INDB0000802 breaks down as follows: INDB identifies the bank, 0 is the reserved character, and 000802 identifies this particular branch.
Branch details at a glance
| Bank Name | Indusind Bank |
|---|---|
| Branch | Kapurthala |
| IFSC Code | INDB0000802 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR 38 MALL ROAD OPP MAIN POST OFFICE KAPURTHALA 144601 DIST KAPURTHALA PUNJAB |
| City | Kapurthala |
| District | Kapurthala |
| State | Punjab |
| STD Code | 1822 |
| Phone | 236551 |
About the bank
Indusind Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kapurthala branch in Kapurthala, Punjab is part of this network and uses the IFSC code INDB0000802 for all electronic settlement.
Kapurthala branch overview
Located at GROUND FLOOR 38 MALL ROAD OPP MAIN POST OFFICE KAPURTHALA 144601 DIST KAPURTHALA PUNJAB, the Kapurthala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC INDB0000802 is required for all interbank electronic transfers routed through this branch.
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 KAPURTHALA branch came to be assigned the code INDB0000802.
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 INDB0000802, money simply cannot be routed to the KAPURTHALA branch electronically.
How to transfer money using IFSC INDB0000802
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 INDB0000802 across all three.
NEFT to Indusind Bank, KAPURTHALA using IFSC INDB0000802
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 INDB0000802, and confirm that the system picks up Indusind Bank – KAPURTHALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC INDB0000802
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 – KAPURTHALA, ensure your bank's portal accepts IFSC INDB0000802 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indusind Bank KAPURTHALA (IFSC INDB0000802)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC INDB0000802 in your mobile or internet banking app, and the money is credited to the KAPURTHALA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC INDB0000802 for Indusind Bank – KAPURTHALA, 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 – INDB0000802 | Yes – INDB0000802 | Yes – INDB0000802 |
For most retail customers crediting the Kapurthala 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 INDB0000802
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 – KAPURTHALA is still mapped to IFSC INDB0000802. 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 INDB0000802 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kapurthala branch is mapped to IFSC INDB0000802 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 INDB0000802.
Products and services
Customers walking into the Kapurthala 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 INDB0000802
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 INDB0000802 and the account number together uniquely identify the Kapurthala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC INDB0000802
Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the KAPURTHALA 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 INDB0000802 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.
Common mistakes to avoid when using IFSC INDB0000802
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 – KAPURTHALA, 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:
INDB0000802. - 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.
Reaching the branch
The Kapurthala branch sits at GROUND FLOOR 38 MALL ROAD OPP MAIN POST OFFICE KAPURTHALA 144601 DIST KAPURTHALA PUNJAB. If you are travelling from outside Kapurthala, search for the branch on a maps application using the bank name and locality, or call 1822-236551 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 INDB0000802 and your account number.
Verifying IFSC INDB0000802 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 INDB0000802 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1822-236551.
- 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 Kapurthala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0000802, however, work 24x7.
Branch address & contact
Indusind BankKapurthala Branch
GROUND FLOOR 38 MALL ROAD OPP MAIN POST OFFICE KAPURTHALA 144601 DIST KAPURTHALA PUNJAB
Kapurthala, Punjab
Phone: 1822-236551
IFSC: INDB0000802
Frequently asked questions
Where is Indusind Bank Kapurthala branch located?
Indusind Bank's Kapurthala branch is located at GROUND FLOOR 38 MALL ROAD OPP MAIN POST OFFICE KAPURTHALA 144601 DIST KAPURTHALA PUNJAB, Kapurthala, Punjab.
Is IFSC INDB0000802 valid for NEFT and RTGS?
Yes. IFSC INDB0000802 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indusind Bank Kapurthala branch?
You can reach the branch at 1822-236551 during regular banking hours.
Does Indusind Bank Kapurthala branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1822-236551 to confirm.
How quickly will an NEFT transfer using INDB0000802 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indusind Bank – Kapurthala reflect within 30 minutes.
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 Kapurthala branch but serve different purposes.
Final notes
To recap: INDB0000802 is the IFSC code of Indusind Bank, KAPURTHALA branch, in KAPURTHALA, 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.
