Indian Bank
MUZAFFARPUR JAWAHARLAL ROAD BRANCH
+919546490740
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 MUZAFFARPUR JAWAHARLAL ROAD
branch of Indian Bank, the code IDIB000M781 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 IDIB000M781 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 MUZAFFARPUR JAWAHARLAL ROAD
Payment Systems Supported by IDIB000M781
| 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—842019005—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 MUZAFFARPUR typically follows the RBI holiday calendar. Digital transfers via IDIB000M781 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 IDIB000M781 is the valid code for MUZAFFARPUR JAWAHARLAL ROAD at MUZAFFARPUR, 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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