IFSC Code of Indusind Bank, Kharsawan Branch, Jharkhand

If you are searching for the IFSC code of Indusind Bank, KHARSAWAN branch in KHARSAWAN, JHARKHAND, this page has every detail you need. The verified IFSC code for this branch is INDB0000422. 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 KHARSAWAN branch, and detailed step-by-step guides for using the IFSC INDB0000422 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.

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, INDB0000422 is the IFSC of Indusind Bank's KHARSAWAN branch. The format is fixed: INDB = bank code, 0 = reserved, 000422 = branch identifier.

Bank profile

Indusind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kharsawan branch — IFSC INDB0000422 — extends the bank's services to customers in and around Kharsawan, Jharkhand.

Branch details at a glance

About this branch

The branch is located at GROUND FLOOR OF THE BUILDING CHANDNI CHOWK, KUCHAI ROAD.POIPS KHARSAWAN- 833 216.JHARKHAND. It serves the Kharsawan 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 INDB0000422 is used to identify this branch on the RBI payments network.

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 KHARSAWAN branch came to be assigned the code INDB0000422.

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 INDB0000422, money simply cannot be routed to the KHARSAWAN branch electronically.

Products and account variants supported

Every account opened at the Kharsawan branch is mapped to IFSC INDB0000422 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 INDB0000422.

Products and services

Customers walking into the Kharsawan 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 INDB0000422

How to transfer money using IFSC INDB0000422

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 INDB0000422 across all three.

How to use IFSC INDB0000422 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's KHARSAWAN 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 INDB0000422.
4. Confirm the bank name auto-populates as Indusind Bank and the branch as KHARSAWAN.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC INDB0000422

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 – KHARSAWAN, ensure your bank's portal accepts IFSC INDB0000422 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indusind Bank – KHARSAWAN, use IMPS. With IFSC INDB0000422 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 INDB0000422 for Indusind Bank – KHARSAWAN, 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.

For most retail customers crediting the Kharsawan 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 KHARSAWAN branch, the IFSC INDB0000422 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 Kharsawan 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 INDB0000422 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 INDB0000422 and the account number together uniquely identify the Kharsawan 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 – KHARSAWAN:

• The IFSC is exactly INDB0000422 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 KHARSAWAN 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.

Reaching the branch

The Kharsawan branch sits at GROUND FLOOR OF THE BUILDING CHANDNI CHOWK, KUCHAI ROAD.POIPS KHARSAWAN- 833 216.JHARKHAND. If you are travelling from outside Kharsawan, 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 INDB0000422 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC INDB0000422 for Indusind Bank – KHARSAWAN, 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 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 Kharsawan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0000422, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code INDB0000422 belongs to Indusind Bank's KHARSAWAN branch, located at GROUND FLOOR OF THE BUILDING CHANDNI CHOWK, KUCHAI ROAD.POIPS KHARSAWAN- 833… in KHARSAWAN, JHARKHAND. 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.