If you are searching for the IFSC code of Indusind Bank, CHAMBA branch in MOHALI, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is INDB0002235. 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 CHAMBA branch, and detailed step-by-step guides for using the IFSC INDB0002235 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.
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 CHAMBA branch, the IFSC INDB0002235 breaks down as follows: INDB identifies the bank, 0 is the reserved character, and 002235 identifies this particular branch.
Branch details at a glance
| Bank Name | Indusind Bank |
|---|---|
| Branch | Chamba |
| IFSC Code | INDB0002235 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHIV NIWAS MOHALLA MUGLA HARDASSPURA CHAMBA |
| City | Mohali |
| District | Chamba |
| State | Himachal Pradesh |
| STD Code | 1899 |
| Phone | 220003 |
About Indusind Bank
Indusind Bank operates a wide network of branches across India, including the Chamba branch in Mohali. 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, INDB0002235.
About the Chamba branch
The Chamba branch of Indusind Bank is situated at SHIV NIWAS MOHALLA MUGLA HARDASSPURA CHAMBA. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code INDB0002235 is used.
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 CHAMBA of Indusind Bank — its own 11-character IFSC. The code INDB0002235 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 INDB0002235 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 INDB0002235
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 INDB0002235 across all three.
How to use IFSC INDB0002235 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's CHAMBA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC INDB0002235.
- Confirm the bank name auto-populates as Indusind Bank and the branch as CHAMBA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC INDB0002235
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 – CHAMBA, ensure your bank's portal accepts IFSC INDB0002235 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indusind Bank – CHAMBA, use IMPS. With IFSC INDB0002235 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 INDB0002235 for Indusind Bank – CHAMBA, 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 – INDB0002235 | Yes – INDB0002235 | Yes – INDB0002235 |
For most retail customers crediting the Chamba 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 CHAMBA branch, the IFSC INDB0002235 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.
Products and account variants supported
Every account opened at the Chamba branch is mapped to IFSC INDB0002235 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 INDB0002235.
Products and services
Customers walking into the Chamba 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 INDB0002235
MICR & cheque-truncation details
Cheques drawn on the Chamba branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC INDB0002235 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Chamba 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 INDB0002235 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.
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 – CHAMBA:
- The IFSC is exactly INDB0002235 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 CHAMBA 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 Chamba branch sits at SHIV NIWAS MOHALLA MUGLA HARDASSPURA CHAMBA. If you are travelling from outside Mohali, search for the branch on a maps application using the bank name and locality, or call 1899-220003 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 INDB0002235 and your account number.
Verifying IFSC INDB0002235 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 INDB0002235 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1899-220003.
- 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 Chamba branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0002235, however, work 24x7.
Branch address & contact
Indusind BankChamba Branch
SHIV NIWAS MOHALLA MUGLA HARDASSPURA CHAMBA
Mohali, Himachal Pradesh
Phone: 1899-220003
IFSC: INDB0002235
Frequently asked questions
Where is Indusind Bank Chamba branch located?
Indusind Bank's Chamba branch is located at SHIV NIWAS MOHALLA MUGLA HARDASSPURA CHAMBA, Mohali, Himachal Pradesh.
What is the IFSC code of Indusind Bank Chamba branch?
The IFSC code of Indusind Bank, Chamba branch is INDB0002235. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC INDB0002235 valid for NEFT and RTGS?
Yes. IFSC INDB0002235 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC INDB0002235 the same for all accounts at Chamba branch?
Yes. The IFSC INDB0002235 is shared by every account held at Indusind Bank's Chamba branch. Only the account number changes from customer to customer.
What is the phone number of Indusind Bank Chamba branch?
You can reach the branch at 1899-220003 during regular banking hours.
How do I add Indusind Bank Chamba as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC INDB0002235, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code INDB0002235 belongs to Indusind Bank's CHAMBA branch, located at SHIV NIWAS MOHALLA MUGLA HARDASSPURA CHAMBA in MOHALI, HIMACHAL 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.
