IFSC Code INDB0000520 - Indusind Bank Urban Estate Focul Point
UPSC JAIN PUBLIC SCHOOL CHANDIGARH ROAD URBAN ESTATE II LUDHIANA 141010
Quick Info
IFSC: INDB0000520
Pincode: 141010
District: Ludhiana
Status: Active
About Indusind Bank Urban Estate Focul Point
IFSC Code INDB0000520 belongs to Indusind Bank Urban Estate Focul Point branch located in Ludhiana, Ludhiana, Punjab. This branch serves customers in Ludhiana, Ludhiana, Punjab and surrounding areas.
Understanding IFSC Code INDB0000520
The IFSC (Indian Financial System Code) INDB0000520 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 (INDB): Bank code identifying Indusind Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (000520): Unique branch identifier for Urban Estate Focul Point
Electronic Fund Transfer Services
IFSC Code INDB0000520 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 Indusind Bank Urban Estate Focul Point branch is located at UPSC JAIN PUBLIC SCHOOL CHANDIGARH ROAD URBAN ESTATE II LUDHIANA 141010 (Pincode: 141010) in Ludhiana, Ludhiana, Punjab. This location serves customers in Ludhiana, Ludhiana, Punjab and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code INDB0000520 to ensure the transaction is routed correctly.
How to Use IFSC Code INDB0000520
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: INDB0000520 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Indusind Bank Branches
If you're looking for other Indusind Bank branches in Ludhiana, Ludhiana, Punjab or nearby areas, use our Indusind Bank branch finder. You can search by city, district, or state to find all Indusind Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | INDB0000520 |
| Bank Name: | Indusind Bank |
| Branch Name: | Urban Estate Focul Point |
| Address: | UPSC JAIN PUBLIC SCHOOL CHANDIGARH ROAD URBAN ESTATE II LUDHIANA 141010 |
| City: | Ludhiana |
| District: | Ludhiana |
| State: | Punjab |
| Pincode: | 141010 |
Payment Services Available
Indusind Bank Urban Estate Focul Point Branch IFSC Code INDB0000520 — Complete Banking Guide for Ludhiana, Punjab
IFSC code INDB0000520 belongs to the Urban Estate Focul Point branch of Indusind Bank in Ludhiana, Ludhiana district, Punjab. 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 INDB0000520 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 Indusind Bank, Urban Estate Focul Point Branch
The Urban Estate Focul Point branch of Indusind Bank in Ludhiana, Punjab serves retail and corporate customers in Ludhiana 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 INDB0000520 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC INDB0000520
Four primary digital payment rails use IFSC INDB0000520 for transfers to Indusind Bank, Urban Estate Focul Point: 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 INDB0000520 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Urban Estate Focul Point branch of Indusind Bank in Ludhiana 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 INDB0000520 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 INDB0000520 Before Transferring
Before initiating any high-value transfer to IFSC INDB0000520, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Indusind 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 — Indusind Bank Urban Estate Focul Point, Ludhiana IFSC
What is the IFSC of Indusind Bank Urban Estate Focul Point in Ludhiana?
The IFSC of Indusind Bank, Urban Estate Focul Point branch in Ludhiana, Punjab is INDB0000520. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC INDB0000520?
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 INDB0000520 to route funds to Indusind Bank, Urban Estate Focul Point, Ludhiana.
Who assigns IFSC codes like INDB0000520?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Indusind Bank applied for the IFSC for its Urban Estate Focul Point branch in Ludhiana, and RBI issued INDB0000520 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC INDB0000520 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 INDB0000520 at Indusind Bank, Urban Estate Focul Point, Ludhiana. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC INDB0000520.
About IFSC Code INDB0000520
IFSC Code INDB0000520 belongs to Indusind Bank branch Urban Estate Focul Point located in Ludhiana, Ludhiana, Punjab.
Branch Information
- IFSC Code: INDB0000520
- Bank: Indusind Bank
- Branch: Urban Estate Focul Point
- Address: UPSC JAIN PUBLIC SCHOOL CHANDIGARH ROAD URBAN ESTATE II LUDHIANA 141010
- City: Ludhiana
- District: Ludhiana
- State: Punjab
- Pincode: 141010
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available