IFSC Code of Indusind Bank, Ajc Bose Road Kolkata Branch, West Bengal

Use this page as a one-stop reference for everything related to Indusind Bank's AJC BOSE ROAD KOLKATA branch in KOLKATA, WEST BENGAL. The branch's IFSC code INDB0001923 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 – AJC BOSE ROAD KOLKATA is INDB0001923. The first four letters INDB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001923 map to this branch in KOLKATA, WEST BENGAL.

Branch details at a glance

Bank profile

Indusind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ajc Bose Road Kolkata branch — IFSC INDB0001923 — extends the bank's services to customers in and around Kolkata, West Bengal.

Ajc Bose Road Kolkata branch overview

Located at CHITRAKOOT BUILDING 230 A A J C BOSE ROAD KOLKATA 700020, the Ajc Bose Road Kolkata branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC INDB0001923 is required for all interbank electronic transfers routed through this branch.

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 AJC BOSE ROAD KOLKATA of Indusind Bank — its own 11-character IFSC. The code INDB0001923 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 INDB0001923 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC INDB0001923

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 INDB0001923 across all three.

How to use IFSC INDB0001923 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's AJC BOSE ROAD KOLKATA 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 INDB0001923.
4. Confirm the bank name auto-populates as Indusind Bank and the branch as AJC BOSE ROAD KOLKATA.
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 INDB0001923

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 – AJC BOSE ROAD KOLKATA, ensure your bank's portal accepts IFSC INDB0001923 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indusind Bank – AJC BOSE ROAD KOLKATA, use IMPS. With IFSC INDB0001923 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 Ajc Bose Road Kolkata

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 INDB0001923:

• 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 AJC BOSE ROAD KOLKATA is still linked to IFSC INDB0001923.

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 INDB0001923

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 – AJC BOSE ROAD KOLKATA is still mapped to IFSC INDB0001923. 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 INDB0001923 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ajc Bose Road Kolkata branch is mapped to IFSC INDB0001923 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 INDB0001923.

Products and services

Customers walking into the Ajc Bose Road Kolkata 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 INDB0001923

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 INDB0001923 and the account number together uniquely identify the Ajc Bose Road Kolkata branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC INDB0001923

Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the AJC BOSE ROAD KOLKATA 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 INDB0001923 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.

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 – AJC BOSE ROAD KOLKATA:

• The IFSC is exactly INDB0001923 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 AJC BOSE ROAD KOLKATA 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 Ajc Bose Road Kolkata branch

The branch is located at CHITRAKOOT BUILDING 230 A A J C BOSE ROAD KOLKATA 700020, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Indusind Bank Ajc Bose Road Kolkata branch” — the verified location pin for IFSC INDB0001923 should appear at the top of the results.
2. Confirm the branch is open by calling 22-3340050627 before stepping out, especially around public holidays.
3. 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 INDB0001923 and your account number.

Verifying IFSC INDB0001923 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 INDB0001923 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-3340050627.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ajc Bose Road Kolkata 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 INDB0001923 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code INDB0001923 belongs to Indusind Bank's AJC BOSE ROAD KOLKATA branch, located at CHITRAKOOT BUILDING 230 A A J C BOSE ROAD KOLKATA 700020 in KOLKATA, 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.