IFSC Code of Indusind Bank, Saguna More Patna Branch, Bihar

If you are searching for the IFSC code of Indusind Bank, SAGUNA MORE PATNA branch in PATNA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is INDB0000928. 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 SAGUNA MORE PATNA branch, and detailed step-by-step guides for using the IFSC INDB0000928 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 SAGUNA MORE PATNA branch, the IFSC INDB0000928 breaks down as follows: INDB identifies the bank, 0 is the reserved character, and 000928 identifies this particular branch.

Branch details at a glance

About the bank

Indusind Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Saguna More Patna branch in Patna, Bihar is part of this network and uses the IFSC code INDB0000928 for all electronic settlement.

Saguna More Patna branch overview

Located at GROUND FLOOR PLOT NO 115 SURYA BP COMMERCIAL CENTRE DANAPUR SAGUNA MORE PATNA 801503 BIHAR, the Saguna More Patna branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC INDB0000928 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 SAGUNA MORE PATNA of Indusind Bank — its own 11-character IFSC. The code INDB0000928 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 INDB0000928 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 INDB0000928

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 INDB0000928 across all three.

How to use IFSC INDB0000928 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's SAGUNA MORE PATNA 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 INDB0000928.
4. Confirm the bank name auto-populates as Indusind Bank and the branch as SAGUNA MORE PATNA.
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 INDB0000928

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 – SAGUNA MORE PATNA, ensure your bank's portal accepts IFSC INDB0000928 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indusind Bank – SAGUNA MORE PATNA, use IMPS. With IFSC INDB0000928 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 Saguna More Patna

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 INDB0000928:

• 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 SAGUNA MORE PATNA is still linked to IFSC INDB0000928.

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 INDB0000928

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 – SAGUNA MORE PATNA is still mapped to IFSC INDB0000928. 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 INDB0000928 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Saguna More Patna branch is mapped to IFSC INDB0000928 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 INDB0000928.

Products and services

Customers walking into the Saguna More Patna 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 INDB0000928

MICR & cheque-truncation details

Cheques drawn on the Saguna More Patna branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC INDB0000928 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC INDB0000928

Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the SAGUNA MORE PATNA 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 INDB0000928 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 INDB0000928

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 – SAGUNA MORE PATNA, 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: INDB0000928.
• 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.

How to reach the Saguna More Patna branch

The branch is located at GROUND FLOOR PLOT NO 115 SURYA BP COMMERCIAL CENTRE DANAPUR SAGUNA MORE PATNA 801503 BIHAR, which puts it inside Patna, the broader Patna district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Indusind Bank Saguna More Patna branch” — the verified location pin for IFSC INDB0000928 should appear at the top of the results.
2. Confirm the branch is open by calling 6115-222335 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 INDB0000928 and your account number.

Verifying IFSC INDB0000928 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 INDB0000928 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6115-222335.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Saguna More Patna 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 INDB0000928 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code INDB0000928 belongs to Indusind Bank's SAGUNA MORE PATNA branch, located at GROUND FLOOR PLOT NO 115 SURYA BP COMMERCIAL CENTRE DANAPUR SAGUNA MORE PATNA… in PATNA, BIHAR. 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.