IFSC Code of Indusind Bank, Kular Khurd Branch, Punjab

Below are the complete branch details for Indusind Bank, KULAR KHURD branch, located in SANGRUR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is INDB0001323. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case INDB0001323 for Indusind Bank – KULAR KHURD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KULAR KHURD is INDB0001323. The first four letters INDB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001323 map to this branch in SANGRUR, PUNJAB.

About the bank

Indusind Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kular Khurd branch in Sangrur, Punjab is part of this network and uses the IFSC code INDB0001323 for all electronic settlement.

Kular Khurd branch overview

Located at INDUSIND BANK LTD PROPERTY OF GRAM PANCHAYAT VILLAGE KULAR KHURD SANGRUR 148001, the Kular Khurd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC INDB0001323 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KULAR KHURD branch came to be assigned the code INDB0001323.

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 INDB0001323, money simply cannot be routed to the KULAR KHURD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kular Khurd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC INDB0001323 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 INDB0001323

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 INDB0001323 across all three.

NEFT to Indusind Bank, KULAR KHURD using IFSC INDB0001323

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 INDB0001323, and confirm that the system picks up Indusind Bank – KULAR KHURD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KULAR KHURD

If you need to transfer ₹2 lakh or more in one go to an account at Indusind Bank's KULAR KHURD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC INDB0001323 while initiating the transfer and the credit will appear within minutes.

IMPS to Indusind Bank KULAR KHURD (IFSC INDB0001323)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC INDB0001323 in your mobile or internet banking app, and the money is credited to the KULAR KHURD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kular Khurd

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 INDB0001323:

• 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 KULAR KHURD is still linked to IFSC INDB0001323.

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.

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 KULAR KHURD branch, the IFSC INDB0001323 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 Kular Khurd branch is mapped to IFSC INDB0001323 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 INDB0001323.

Banking services available

The Kular Khurd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1672-7696202308.

• 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 INDB0001323

Online banking and IFSC INDB0001323

Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the KULAR KHURD 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 INDB0001323 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.

Reaching the branch

The Kular Khurd branch sits at INDUSIND BANK LTD PROPERTY OF GRAM PANCHAYAT VILLAGE KULAR KHURD SANGRUR 148001. If you are travelling from outside Sangrur, search for the branch on a maps application using the bank name and locality, or call 1672-7696202308 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 INDB0001323 and your account number.

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 – KULAR KHURD:

• The IFSC is exactly INDB0001323 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 KULAR KHURD 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.

Working hours

Branch counters at Kular Khurd 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 INDB0001323 continue to work without interruption.

Verifying IFSC INDB0001323 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 INDB0001323 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1672-7696202308.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: INDB0001323 is the IFSC code of Indusind Bank, KULAR KHURD branch, in SANGRUR, PUNJAB. 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.