There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Idbi Bank for its Surat-Main Branch branch in Surat, Surat, Gujarat, then this comprehensive guide will provide you with detailed information.
The banking system in India has changed over time, and today the customers of Idbi Bank situated in Surat or anywhere in Gujarat can easily transfer funds instantly by using the correct IFSC Code IBKL0000146. You should know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for Idbi Bank, Surat-Main Branch, Surat
Below in the table are the key details related to IFSC Code IBKL0000146 of Idbi Bank for its branch located in Surat, within the district of Surat in the state of Gujarat.
| Particulars | Details |
|---|---|
| Bank | Idbi Bank |
| IFSC Code | IBKL0000146 |
| Branch | Surat-Main Branch |
| City | Surat |
| District | Surat |
| State | Gujarat |
| Address | Idbi Bank, Ground Floor, 21St Century Business Center, Opp. Singapuri Wadi, Ring Road, Surat |
These details are important not only for users using online banking but also for businesses and individuals who use Idbi Bank in Surat for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code IBKL0000146 for the Surat-Main Branch branch of Idbi Bank is vital.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Idbi Bank located in Surat-Main Branch, Surat, Gujarat, is provided a unique IFSC like IBKL0000146 so that their online payments reach the right place.
The IFSC Code is important because:
- It uniquely recognizes the Idbi Bank branch in Surat.
- Helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any confusions between multiple branches of the same bank across different places like Surat and Surat.
- It reduces most of the errors in fund transfers and makes sure its accuracy.
- It enables sender banks to validate and confirm branch details before processing payments.
For thousands of branches across Gujarat and the rest of India, the IFSC Code ensures that transactions meant for Idbi Bank in Surat-Main Branch do not get misguided to another person.
Format of the IFSC Code IBKL0000146
This is the format of the IFSC Code for banks, including Idbi Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For Idbi Bank, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Surat-Main Branch in Surat.
For example, the IFSC Code IBKL0000146 of Idbi Bank for the Surat-Main Branch branch includes these elements, identifying the bank and the branch location in Surat and Gujarat accurately.
How to Find IFSC Code for Idbi Bank?
To find the IFSC Code IBKL0000146 of Idbi Bank for its Surat-Main Branch branch located in Surat, the following methods can help you out:
Cheque Book
The cheque book issued by Idbi Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most banks, including Idbi Bank branches in Surat and Surat, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of Idbi Bank and go to the branch locator section. Then search for Surat-Main Branch or Surat to find the exact IFSC Code IBKL0000146.
Mobile Banking App
If you use Idbi Bank's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes. Searching for Idbi Bank and Surat will provide accurate information.
How to Use IFSC Code IBKL0000146 for Online Transfers?
Once you have the IFSC Code IBKL0000146 for the Surat-Main Branch branch of Idbi Bank in Surat, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code IBKL0000146. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Idbi Bank IFSC Code IBKL0000146.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Idbi Bank Surat-Main Branch in Surat, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Idbi Bank in Surat-Main Branch, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Idbi Bank website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Surat manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is IBKL0000146.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Idbi Bank, Ground Floor, 21St Century Business Center, Opp. Singapuri Wadi, Ring Road, Surat located in Surat, Surat, Gujarat.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.