If you are searching for the IFSC code of Indusind Bank, RAGHUNATHPUR branch in RAGHUNATHPUR, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is INDB0000396. 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 RAGHUNATHPUR branch, and detailed step-by-step guides for using the IFSC INDB0000396 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, INDB0000396 is the IFSC of Indusind Bank's RAGHUNATHPUR branch. The format is fixed: INDB = bank code, 0 = reserved, 000396 = branch identifier.
About the bank
Indusind Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Raghunathpur branch in Raghunathpur, West Bengal is part of this network and uses the IFSC code INDB0000396 for all electronic settlement.
About the Raghunathpur branch
The Raghunathpur branch of Indusind Bank is situated at 1ST FLOOR, 310, TARAKNATH MUKHERJEE ROAD, PO RAGHUNATHPUR, NEAR MAKHLA SEVASADAN HOSPITAL, HOOGHLY- 712 247, WEST BENGAL. 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 INDB0000396 is used.
Branch details at a glance
| Bank Name | Indusind Bank |
|---|---|
| Branch | Raghunathpur |
| IFSC Code | INDB0000396 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1ST FLOOR, 310, TARAKNATH MUKHERJEE ROAD, PO RAGHUNATHPUR, NEAR MAKHLA SEVASADAN HOSPITAL, HOOGHLY- 712 247, WEST BENGAL |
| City | Raghunathpur |
| District | Hugli |
| State | West Bengal |
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 RAGHUNATHPUR branch came to be assigned the code INDB0000396.
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 INDB0000396, money simply cannot be routed to the RAGHUNATHPUR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Raghunathpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC INDB0000396 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC INDB0000396
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 INDB0000396 across all three.
NEFT to Indusind Bank, RAGHUNATHPUR using IFSC INDB0000396
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC INDB0000396, and confirm that the system picks up Indusind Bank – RAGHUNATHPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAGHUNATHPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indusind Bank's RAGHUNATHPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC INDB0000396 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 – RAGHUNATHPUR, use IMPS. With IFSC INDB0000396 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 INDB0000396 for Indusind Bank – RAGHUNATHPUR, 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 – INDB0000396 | Yes – INDB0000396 | Yes – INDB0000396 |
For most retail customers crediting the Raghunathpur 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.
UPI payments and IFSC INDB0000396
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 – RAGHUNATHPUR is still mapped to IFSC INDB0000396. 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 INDB0000396 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Raghunathpur branch is mapped to IFSC INDB0000396 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 INDB0000396.
Banking services available
The Raghunathpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC INDB0000396
Online banking and IFSC INDB0000396
Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the RAGHUNATHPUR 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 INDB0000396 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.
How to reach the Raghunathpur branch
The branch is located at 1ST FLOOR, 310, TARAKNATH MUKHERJEE ROAD, PO RAGHUNATHPUR, NEAR MAKHLA SEVASADAN HOSPITAL, HOOGHLY- 712 247, WEST BENGAL, which puts it inside Raghunathpur, the broader Hugli district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Indusind Bank Raghunathpur branch” — the verified location pin for IFSC INDB0000396 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 INDB0000396 and your account number.
Common mistakes to avoid when using IFSC INDB0000396
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 – RAGHUNATHPUR, 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:
INDB0000396. - 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.
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 Raghunathpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0000396, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC INDB0000396 for Indusind Bank – RAGHUNATHPUR, 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 address & contact
Indusind BankRaghunathpur Branch
1ST FLOOR, 310, TARAKNATH MUKHERJEE ROAD, PO RAGHUNATHPUR, NEAR MAKHLA SEVASADAN HOSPITAL, HOOGHLY- 712 247, WEST BENGAL
Raghunathpur, West Bengal
Phone: the branch contact number
IFSC: INDB0000396
Frequently asked questions
Is IFSC INDB0000396 valid for NEFT and RTGS?
Yes. IFSC INDB0000396 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Raghunathpur branch but serve different purposes.
How quickly will an NEFT transfer using INDB0000396 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indusind Bank – Raghunathpur reflect within 30 minutes.
Is IFSC INDB0000396 the same for all accounts at Raghunathpur branch?
Yes. The IFSC INDB0000396 is shared by every account held at Indusind Bank's Raghunathpur branch. Only the account number changes from customer to customer.
What is the phone number of Indusind Bank Raghunathpur branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of Indusind Bank Raghunathpur branch?
The IFSC code of Indusind Bank, Raghunathpur branch is INDB0000396. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indusind Bank Raghunathpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How do I add Indusind Bank Raghunathpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC INDB0000396, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: INDB0000396 is the IFSC code of Indusind Bank, RAGHUNATHPUR branch, in RAGHUNATHPUR, WEST BENGAL. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
