IFSC Code IDIB000N556 - Indian Bank Naugachia
NAUGACHIA MAHADEOPUR GHAR ROAD VILL PO NAUGACHIA NAUGACHIA NAUGACHIA PIN 853204
Quick Info
IFSC: IDIB000N556
Pincode: 853204
District: Bhagalpur
Status: Active
About Indian Bank Naugachia
IFSC Code IDIB000N556 belongs to Indian Bank Naugachia branch located in Naugachia, Bhagalpur, Bihar. This branch serves customers in Naugachia, Bhagalpur, Bihar and surrounding areas.
Understanding IFSC Code IDIB000N556
The IFSC (Indian Financial System Code) IDIB000N556 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (IDIB): Bank code identifying Indian Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (00N556): Unique branch identifier for Naugachia
Electronic Fund Transfer Services
IFSC Code IDIB000N556 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Indian Bank Naugachia branch is located at NAUGACHIA MAHADEOPUR GHAR ROAD VILL PO NAUGACHIA NAUGACHIA NAUGACHIA PIN 853204 (Pincode: 853204) in Naugachia, Bhagalpur, Bihar. This location serves customers in Naugachia, Bhagalpur, Bihar and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code IDIB000N556 to ensure the transaction is routed correctly.
How to Use IFSC Code IDIB000N556
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: IDIB000N556 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Indian Bank Branches
If you're looking for other Indian Bank branches in Naugachia, Bhagalpur, Bihar or nearby areas, use our Indian Bank branch finder. You can search by city, district, or state to find all Indian Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | IDIB000N556 |
| Bank Name: | Indian Bank |
| Branch Name: | Naugachia |
| Address: | NAUGACHIA MAHADEOPUR GHAR ROAD VILL PO NAUGACHIA NAUGACHIA NAUGACHIA PIN 853204 |
| City: | Naugachia |
| District: | Bhagalpur |
| State: | Bihar |
| Pincode: | 853204 |
Payment Services Available
Indian Bank Naugachia Branch IFSC Code IDIB000N556 — Complete Banking Guide for Naugachia, Bihar
IFSC code IDIB000N556 belongs to the Naugachia branch of Indian Bank in Naugachia, Bhagalpur district, Bihar. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC IDIB000N556 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Indian Bank, Naugachia Branch
The Naugachia branch of Indian Bank in Naugachia, Bihar serves retail and corporate customers in Bhagalpur district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC IDIB000N556 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC IDIB000N556
Four primary digital payment rails use IFSC IDIB000N556 for transfers to Indian Bank, Naugachia: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC IDIB000N556 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Naugachia branch of Indian Bank in Naugachia carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC IDIB000N556 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC IDIB000N556 Before Transferring
Before initiating any high-value transfer to IFSC IDIB000N556, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Indian Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Indian Bank Naugachia, Naugachia IFSC
What is the IFSC of Indian Bank Naugachia in Naugachia?
The IFSC of Indian Bank, Naugachia branch in Naugachia, Bihar is IDIB000N556. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC IDIB000N556?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC IDIB000N556 to route funds to Indian Bank, Naugachia, Naugachia.
Who assigns IFSC codes like IDIB000N556?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Indian Bank applied for the IFSC for its Naugachia branch in Naugachia, and RBI issued IDIB000N556 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC IDIB000N556 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC IDIB000N556 at Indian Bank, Naugachia, Naugachia. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC IDIB000N556.
About IFSC Code IDIB000N556
IFSC Code IDIB000N556 belongs to Indian Bank branch Naugachia located in Naugachia, Bhagalpur, Bihar.
Branch Information
- IFSC Code: IDIB000N556
- Bank: Indian Bank
- Branch: Naugachia
- Address: NAUGACHIA MAHADEOPUR GHAR ROAD VILL PO NAUGACHIA NAUGACHIA NAUGACHIA PIN 853204
- City: Naugachia
- District: Bhagalpur
- State: Bihar
- Pincode: 853204
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available