Allahabad Bank IFSC Code: Your 2025 Guide to Easy Banking

Managing finances in 2025 means navigating a digital landscape where every detail counts, especially when transferring money. If you work with accounts from Allahabad Bank, you may often come across the term “IFSC Code.” This guide will explain what an Allahabad Bank IFSC Code is, why it matters for modern banking, how you can find it quickly, and how the merger with Indian Bank affects customers in today’s banking system.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is a unique 11-character code used to identify every branch of every bank in India that’s a part of the NEFT (National Electronic Funds Transfer) network. Simply put, you enter this code whenever you transfer funds online — it ensures the money lands in the right account at the right branch.

For Allahabad Bank customers, the IFSC code is crucial for:

• Sending and receiving money via NEFT, RTGS, and IMPS
• Paying for goods on e-commerce platforms
• Setting up standing instructions or linking accounts for auto payments

In 2025, as UPI and online marketplaces continue growing, IFSC code accuracy is more important than ever.

Understanding Allahabad Bank IFSC Code Structure

The IFSC code follows a standard format:

• First 4 characters: Bank code (e.g., ALLA for Allahabad Bank)
• Fifth character: Always a ‘0’ (reserved for future use)
• Last 6 characters: Unique code for each branch

Example: ALLA0210003

• ALLA: Allahabad Bank
• 0: Reserved character
• 210003: Branch-specific code

But there’s a twist. Since 2020, Allahabad Bank has merged with Indian Bank. So as of 2025, IFSC codes for Allahabad Bank branches may have changed to Indian Bank’s format, especially if you open new accounts or use net banking.

How Has the Merger with Indian Bank Changed Allahabad Bank IFSC Codes?

When Allahabad Bank merged with Indian Bank, legacy branch codes were updated for uniformity. This means:

1. Old Allahabad Bank IFSC codes were phased out.
2. New Indian Bank IFSC codes were assigned to former Allahabad Bank branches.
3. For fund transfers in 2025, always use the updated Indian Bank IFSC code—even if your account number stays the same.

Example Table: Allahabad Bank to Indian Bank IFSC Mapping

Tip: If you haven’t updated your payee details after the merger, your online transfers might fail. Always check the latest IFSC code on your passbook or on the bank website.

How Can I Find My (Old) Allahabad Bank IFSC Code in 2025?

Even in 2025, you might need an Allahabad Bank IFSC code if you’re referencing old statements or cheques. Here’s how to locate the code:

1. On Your Cheque Book or Passbook

• Usually printed at the top of every cheque leaf or on the first page of your passbook.

2. On Internet Banking Portal

• Log in to the Indian Bank net banking portal.
• Check under ‘Accounts’ for details; both old and new IFSC codes may be displayed.

3. Using the Official Website

• Go to the Indian Bank branch locator tool.
• Search your branch by name, city, or PIN code.

4. Mobile Banking Apps

• Open the Indian Bank or Allahabad Bank app (depending on what’s active in your region).
• Navigate to ‘Account Details’ or ‘Branch Details’.

5. Customer Care

• Dial the bank’s toll-free helpline.
• Provide your branch details; they will tell you the current IFSC code.

Can I Still Use the Allahabad Bank IFSC Code in 2025?

No, for all practical purposes. Almost all payment gateways and online transfer systems have updated to Indian Bank IFSC codes for former Allahabad Bank branches. Attempting to use an outdated code may lead to transaction failures.

What Should You Do?

• Always use the updated IFSC code for fund transfers.
• If in doubt, call your branch or check the bank’s official website.

What Happens if I Use the Wrong IFSC Code?

Using an incorrect IFSC code may result in:

1. Failed Transactions: Your transfer is usually cancelled and the funds are refunded.
2. Delay: Money can be held up for 2-3 days before being reversed to your account.
3. Potential Risks: If the code is valid for another branch, and the account number exists there, money might get credited wrongly and recovering it takes extra steps.

Precaution: Double-check both the account number and IFSC code before confirming any payment, especially for business or large-value transfers.

Where Are IFSC Codes Used Most Frequently in 2025?

1. NEFT and RTGS Transfers

For sending high-value funds or clearing payments between companies, IFSC codes are mandatory.

2. Online Marketplaces

UPI has reduced the need for IFSC in daily payments, but for seller payouts or larger purchases, the code is still required on platforms like Amazon, Flipkart, or Myntra.

3. Tax and Government Payments

If you’re paying taxes, filing returns, or receiving refunds directly to your account, IFSC codes are essential.

4. Linking Accounts Across Banks

If you link your accounts for investment or mutual fund auto-debits, the correct IFSC code ensures seamless transactions.

How Does IFSC Code Differ from Other Bank Codes?

Summary: IFSC for online EFT, MICR for cheques, SWIFT for international payments.

How to Safely Share Your IFSC Code

It is safe to share your IFSC code and account number when someone needs to send you money. But never share:

• OTPs or passwords
• Your debit card PIN
• Net banking credentials

Banks and genuine online marketplaces will never ask for sensitive information along with IFSC.

Real-World Experiences: What Allahabad Bank Customers Faced

With the merger, customers in 2021-2023 faced confusion around failed payments and payout delays. Some practical lessons:

• Rechecking Saved Payees: Many users had to delete and re-add beneficiaries with updated IFSC codes.
• Notifying Business Partners: Small businesses with Allahabad Bank accounts needed to notify clients or online vendors about their new IFSC.
• Physical Cheques: Older cheque books bore obsolete IFSC codes; it was important to verify with the branch before issuing cheques.

By 2025, these initial hiccups have settled, but you should always stay alert to possible updates from the bank.

How to Add Former Allahabad Bank Accounts as Beneficiaries Online in 2025

Step-by-step:

1. Log in to your online banking portal (SBI, HDFC, Axis, etc.).
2. Go to ‘Fund Transfer’ > ‘Add Beneficiary.’
3. Enter the account number and updated IFSC code (now Indian Bank’s version for Allahabad Bank branches).
4. Confirm beneficiary details.
5. Approve via OTP or authentication.

Pro Tip: Approving beneficiaries can take a few hours to a full day, based on the bank’s security checks.

Benefits of Knowing the Correct IFSC Code

• Faster fund transfers
• Error-free online payments
• Hassle-free business operations
• Minimal transaction delays
• Better control over digital banking

In a world driven by quick digital transactions, the correct IFSC code is the key to smooth banking.

How to Update Your Payee Details After the Allahabad Bank–Indian Bank Merger

If you or your business relies on regular transfers, update your payee list as follows:

1. Obtain the new IFSC code for your branch (via website, passbook, or branch office).
2. Log in to each payment portal or app.
3. Delete the old payee (with Allahabad Bank IFSC).
4. Re-add the payee with the updated Indian Bank IFSC.
5. Inform regular payers or partners about the change if required.

Don’t forget to update UPI IDs and eNACH mandates if linked to your old bank details.

Sample List of Popular Former Allahabad Bank Branches and Their New IFSC Codes (as of 2025)

Always confirm with the bank before making large transfers.

TLDR: Quick Recap of Allahabad Bank IFSC Code Essentials

• IFSC codes uniquely identify branches for online transactions.
• Allahabad Bank merged with Indian Bank; IFSC codes changed.
• Use the new Indian Bank IFSC for all transactions in 2025.
• Find the new code on your passbook, branch, or official bank website.
• Using an old Allahabad Bank IFSC code may cause payment failures.
• Keep beneficiary/payee details updated for smooth fund transfers.

People Also Ask (FAQs)

Q1: Can I use my old Allahabad Bank IFSC code in 2025?
No. After the merger, always use the updated Indian Bank IFSC code for your former Allahabad Bank branch.

Q2: How can I find my current IFSC code?
Check your passbook, visit the Indian Bank official website, or contact customer care with your branch details.

Q3: What happens if I use the wrong IFSC code?
The transaction may fail or, rarely, get credited to the wrong account. Money is usually refunded, but it can cause delays.

Q4: Is it safe to share my IFSC code?
Yes, sharing IFSC and your account number is standard for payments, but never share your passwords or OTPs.

Q5: Do I need to update my UPI or e-mandate details due to the merger?
Yes, update all regular payments and linked services with the new IFSC code for uninterrupted service.

Q6: Where is the IFSC code printed?
It’s usually on your cheque book, passbook, or can be found through the bank’s online services.

Q7: Will old cheques be accepted after the merger?
Some old cheques may be honoured, but it’s safer to confirm with the bank and transition to cheques printed with the updated IFSC.

Staying informed about your bank’s IFSC code is as important in 2025 as ever. It ensures your money reaches where it should—quickly and securely, no matter how digital banking evolves.