IFSC Code of Indusind Bank, Kharamau Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Indusind Bank's KHARAMAU branch in KHARAMAU, UTTAR PRADESH. The branch's IFSC code INDB0000483 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Indusind Bank – KHARAMAU is INDB0000483. The first four letters INDB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000483 map to this branch in KHARAMAU, UTTAR PRADESH.

About Indusind Bank

Indusind Bank operates a wide network of branches across India, including the Kharamau branch in Kharamau. 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, INDB0000483.

Kharamau branch overview

Located at GROUND FLOOR, LAKMI NARAYAN VIDHYALA, VILLAGE KHANDAMAU, PO PIHANI, DIST KANPUR- 209 202, UTTAR PRADESH, the Kharamau branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC INDB0000483 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KHARAMAU branch came to be assigned the code INDB0000483.

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 INDB0000483, money simply cannot be routed to the KHARAMAU 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 INDB0000483 and the account number together uniquely identify the Kharamau branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC INDB0000483

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 INDB0000483 across all three.

How to use IFSC INDB0000483 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's KHARAMAU 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC INDB0000483.
4. Confirm the bank name auto-populates as Indusind Bank and the branch as KHARAMAU.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KHARAMAU

If you need to transfer ₹2 lakh or more in one go to an account at Indusind Bank's KHARAMAU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC INDB0000483 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Indusind Bank – KHARAMAU, use IMPS. With IFSC INDB0000483 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kharamau

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC INDB0000483:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KHARAMAU is still linked to IFSC INDB0000483.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC INDB0000483

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 – KHARAMAU is still mapped to IFSC INDB0000483. 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 INDB0000483 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kharamau branch is mapped to IFSC INDB0000483 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 INDB0000483.

Products and services

Customers walking into the Kharamau 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 INDB0000483

Digital banking channels

Most day-to-day work that customers used to do at the Kharamau 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 INDB0000483 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.

Reaching the branch

The Kharamau branch sits at GROUND FLOOR, LAKMI NARAYAN VIDHYALA, VILLAGE KHANDAMAU, PO PIHANI, DIST KANPUR- 209 202, UTTAR PRADESH. If you are travelling from outside Kharamau, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 INDB0000483 and your account number.

Common mistakes to avoid when using IFSC INDB0000483

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 – KHARAMAU, 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: INDB0000483.
• 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 Kharamau 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 INDB0000483 continue to work without interruption.

Verifying IFSC INDB0000483 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 INDB0000483 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code INDB0000483 belongs to Indusind Bank's KHARAMAU branch, located at GROUND FLOOR, LAKMI NARAYAN VIDHYALA, VILLAGE KHANDAMAU, PO PIHANI, DIST … in KHARAMAU, UTTAR PRADESH. 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.