IDBI Naugachhia IFSC Code
IDBI
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Naugachhia
District
Bhagalpur
State
Bihar
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Frequently Asked Questions
About IDBI Naugachhia (post Office Road Naugachhia - 2124), Bhagalpur
The IFSC code IBKL0002124 (lowercase: ibkl0002124) belongs to IDBI, specifically the Naugachhia (post Office Road Naugachhia - 2124) branch located in Bhagalpur, Bihar.
The 5th character in the IFSC code IBKL0002124 is a zero (0), not the letter 'O'. The correct format is IBKL0002124 (lowercase: ibkl0002124), and not IBKLO002124. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of IDBI Naugachhia (post Office Road Naugachhia - 2124) in Bhagalpur, Bihar is IBKL0002124. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
IDBI Naugachhia (post Office Road Naugachhia - 2124) is located at Post Office Road,naugachhia,bhagalpur-853204, Bhagalpur, Bihar. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of IDBI Naugachhia (post Office Road Naugachhia - 2124) is 853259002. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code IBKL0002124 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code IBKL0002124 by checking: (1) The top-left corner of any IDBI Naugachhia (post Office Road Naugachhia - 2124) cheque leaf, (2) The first page of your IDBI passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: IBKL0002124
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
IBKL0002124
What Each Part Means
- Bank Code — IBKL
- The first 4 characters uniquely identify IDBI at the national level. Every branch of IDBI across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 002124
- The final 6 characters 002124 uniquely identify this specific branch within the IDBI network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | IBKL | Identifies IDBI |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 002124 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
IDBI
Naugachhia (post Office Road Naugachhia - 2124), Bhagalpur, Bihar
Cheque No.
00002124
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | IBKL0002124 | 853259002 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.