IDBI
Browse official IFSC codes, MICR details, branch addresses, and customer support information for 3,723 branches of IDBI across India.
About IDBI IFSC Codes & Routing Information
The Indian Financial System Code (IFSC) is an 11-character alphanumeric identifier assigned by the Reserve Bank of India (RBI) to identify branches of IDBI. The code format begins with IBKL, followed by control zero 0, and ends with the 6-digit branch identifier.
Use official IDBI branch IFSC codes to route electronic transfers including NEFT, RTGS, IMPS, and UPI payments securely through Indian central payment clearing systems.
IDBI Balance Check, Missed Call & SMS Banking Numbers
Instant balance enquiry numbers, mini-statement SMS formats, WhatsApp banking, and 24x7 emergency helplinesAccount Balance
Call from your registered mobile number for instant account balance via SMS.
Last 3 - 5 Txns
Call 1800 843 1133 to receive your recent 5 transactions via SMS.
WhatsApp Assistant
IDBI WhatsApp Banking for balance check, mini statement, cheque status, and branch locator.
Block ATM Debit Card
Emergency Debit Card Hotlisting to prevent fraudulent transactions.
2. 24x7 Customer Care & Helpline Numbers
3. SMS Banking Syntax & SMS Shortcodes
| Banking Service | SMS Command / Format | Send SMS To | Notes / Information |
|---|---|---|---|
| Balance Enquiry |
BAL
|
5676777 | Account balance alert |
| Mini Statement |
STRAN
|
5676777 | Recent transaction summary |
| Block Debit Card |
BLOCK <CustID> <Account No>
|
5676777 | Instant hotlisting |
How to use Missed Call & SMS Banking
- Registered Mobile Number: The missed call or SMS must be sent exclusively from the mobile SIM linked to your bank account.
- Auto-Activated: No prior registration needed. The service is pre-activated for all mobile-linked accounts.
- Zero Toll Charges: The call disconnects automatically after 1 or 2 rings without any call cost. The bank delivers the account summary via SMS within 10 to 30 seconds.
IDBI Retail Banking, Account Types & Debit Cards
Verified retail banking specifications, minimum balance (MAB) rules, and card withdrawal limits1. Popular Savings & Deposit Account Types
IDBI Regular Savings Account
Full digital banking suite, passbook, cheque book, and 24x7 UPI/NEFT/RTGS clearing.
IDBI Digital Video KYC Savings Account
Instant paperless account opening with online Video KYC verification via official mobile app.
IDBI Basic Savings Bank Deposit (BSBDA)
RBI financial inclusion account with zero maintenance fee, free RuPay Classic card, and 4 free ATM withdrawals.
2. Minimum Balance (MAB/AMB) Requirements by Location
| Branch Location / Tier | Minimum Balance Required | Non-Maintenance Penalty |
|---|---|---|
| Metro & Urban Branches | ₹1,000 – ₹2,000 Average Balance |
₹30 – ₹100 + GST per quarter (shortfall dependent; balance cannot turn negative)
Per RBI mandate, banks cannot turn savings account balances negative.
|
| Semi-Urban Branches | ₹500 – ₹1,000 Average Balance | |
| Rural Branches | ₹250 – ₹500 Average Balance |
3. Popular Debit Card Variants & Daily Transaction Limits
IDBI RuPay Classic Debit Card
Domestic EMV chip security card for cash withdrawals and online e-commerce shopping.
IDBI RuPay / Visa Platinum Card
Includes ₹2 Lakh accidental insurance cover, tap-and-pay NFC, and merchant offers.
Digital Account Opening & Video KYC Prerequisites
Open a paperless savings account online in 5-10 minutes with Aadhaar OTP authentication and live Video KYC.
Browse IDBI Branches by State / Union Territory
Select your state below to find the specific branch, IFSC code, and district clearing center.
All IDBI Branches
Showing active branches and verified IFSC codes for RTGS/NEFT/IMPS transfers.
Customer Support & Grievance Redressal Mechanism
If you encounter issues with failed electronic fund transfers (NEFT/RTGS/IMPS) or incorrect branch processing at IDBI, you can follow the structured RBI escalation path:
Branch Manager / Customer Care
Lodge your complaint with the local branch manager or call the toll-free customer helpline. Obtain a complaint reference token.
Internal Grievance Cell
If unresolved within 10 days, escalate to the bank's Principal Nodal Officer (PNO) or Chief Quality Care officer at the corporate headquarters.
RBI Banking Ombudsman
If the grievance remains unresolved for over 30 days, file an online complaint at the RBI CMS portal (cms.rbi.org.in) under the Integrated Ombudsman Scheme.
UPI 0.4% Merchant Charges & Limits (NPCI Guidelines)
Understanding the 0.4% MDR on payments above ₹2,000, fee caps & consumer exemptionsZero Cost to Users
All personal transfers (P2P) and purchases made by customers are 100% FREE (₹0 fees). Surcharging customers is illegal.
Commercial Merchants
A 0.4% MDR applies to commercial merchant transactions above ₹2,000 (capped at ₹300). Small vendors (≤ ₹1L/month) are exempt.
NEFT / RTGS / IMPS
Online NEFT & RTGS are free per RBI rules for savings accounts. IMPS allows instant transfers up to ₹5 Lakh around the clock.
Frequently Asked Questions: IDBI
0), and ends with a 6-character branch code. You can locate any branch using the state and district directory above.