SWIFT Code IDIBINBBLDN — INDIAN BANK, LUDHIANA

About SWIFT Code IDIBINBBLDN — INDIAN BANK, LUDHIANA

SWIFT code IDIBINBBLDN is the official 11-character branch-specific BIC (Bank Identifier Code) for INDIAN BANK in LUDHIANA, India. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by INDIAN BANK for all outward international remittances from LUDHIANA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code IDIBINBBLDN

The code IDIBINBBLDN follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code IDIBINBBLDN

Receiving International Wire Transfers

To receive money from abroad at your INDIAN BANK account in LUDHIANA, share SWIFT code IDIBINBBLDN with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at INDIAN BANK, LUDHIANA must provide SWIFT code IDIBINBBLDN. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using INDIAN BANK in LUDHIANA rely on SWIFT code IDIBINBBLDN for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for INDIAN BANK →

For cheque clearing or NACH mandates, use the MICR code for INDIAN BANK →

For TDS challan deposits, find the BSR code for INDIAN BANK →

How SWIFT Code IDIBINBBLDN Routes an International Transfer

1. Initiation: The sender provides SWIFT code IDIBINBBLDN and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to INDIAN BANK.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: INDIAN BANK receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code IDIBINBBLDN

• Spaces or lowercase letters — Always enter IDIBINBBLDN uppercase with no spaces.
• Using the wrong city — This code is for LUDHIANA only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within India.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm IDIBINBBLDN directly with INDIAN BANK's LUDHIANA branch or via the SWIFT BIC Directory.