Indian Bank
LUDHIANA FOCAL POINT BRANCH
+917347035091
Understanding IFSC Code: The Digital DNA of Indian Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the LUDHIANA FOCAL POINT
branch of Indian Bank, the code IDIB000F521 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the IDIB000F521 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"IDIB" represents Indian Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for LUDHIANA FOCAL POINT
Payment Systems Supported by IDIB000F521
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—141019031—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Indian Bank in LUDHIANA typically follows the RBI holiday calendar. Digital transfers via IDIB000F521 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While IDIB000F521 is the valid code for LUDHIANA FOCAL POINT at LUDHIANA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Branch Context
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Platform Links
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