Indian Bank Timings – Working Hours, Lunch Break & Holiday Schedule 2025

Ravi, a small business owner, needed to deposit a cheque to pay his supplier. Unaware of the bank's closing time, he arrived late and had to wait until the next day, delaying his payment. This highlights the importance of knowing bank timings to ensure smooth financial transactions.

What is the Indian Bank?

Indian Bank, established in 1907 and headquartered in Chennai, is a major public sector bank in India. Owned by the Indian government, it provides a wide range of banking services, including personal, corporate, and rural banking.

With a vast branch network across India and an international presence, the bank focuses on customer service, financial inclusion, and digital banking. In 2020, it merged with Allahabad Bank, strengthening its position in the banking sector.

The Importance Of Knowing Bank Timings:

Bank timings are crucial for planning visits and ensuring timely transactions like deposits, withdrawals, and account management. Being aware of operational hours helps avoid long queues and delays, making banking more efficient. It ensures that time-sensitive services like cheque clearing and loan inquiries are completed within working hours, providing a smoother banking experience.

Indian Bank Timings

Indian Bank Specialised Banking Services Timings

Indian Bank Weekend and Holiday Timings

• Monday to Friday: Indian Bank is open from 10:00 AM to 4:00 PM.
• Second and Fourth Saturdays: The bank is closed.
• Sundays: Indian Bank is closed.
• National Holidays: The bank is closed.

Indian Bank Digital Fund Transfer Timings

1. NEFT (National Electronic Funds Transfer)

• Available 24/7 and 365 days a year.
• Transactions are processed in half-hourly batches.
• NEFT transactions are generally settled immediately or within 2 hours.
• NEFT cut-off timings for in-branch transactions may vary by bank.

2. RTGS (Real Time Gross Settlement)

• Available during bank working hours on weekdays and occasionally on Saturdays.
• RTGS requests are processed between 8:00 AM to 4:30 PM (Monday through Friday).
• On working Saturdays, RTGS requests can be processed between 8:00 AM to 2:00 PM.
• RTGS is generally not available on public holidays.

3. IMPS (Immediate Payment Service)

• Available 24/7, including holidays.
• IMPS is an instant interbank electronic fund transfer service.
• Facilitates instantaneous mobile-to-mobile fund transfers.
• It’s one of the easiest and fastest ways to transfer money.

If you have heard these terms for the first time, then below is a quick explanation for these terms.

Indian Bank Digital Banking Services Availability

1. Banking Services
   Digital Banking Units (DBUs) offer a wide array of essential banking services, providing customers with easy and efficient access. Some of the key services available include:

    

   • Account Opening
   • Fund Transfers
   • Cash Deposit and Withdrawal
   • Fixed and Recurring Deposit Opening
   • Loan Applications
   • Passbook Printing
   • Request for Debit Card and chequebook
   • KYC Updates
   • Bill Payments and Tax Payments
   • Account Statement Generation
   • Mobile Banking and Internet Banking Activation
   • Nomination Addition
     These services are designed to enhance convenience, enabling customers to manage their banking needs seamlessly.

2.   Government Schemes
DBUs provide easy access to various government-sponsored schemes, making it easier for customers to apply and benefit from them. These schemes include

• Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
• Pradhan Mantri Suraksha Bima Yojana (PMSBY)
• Atal Pension Yojana (APY)
• Jan Samarth (National Portal for Government-Sponsored Schemes)
• Jeevan Pramaan – Life Certificate
  These schemes aim to provide financial security and social benefits to a wider section of the population.

3.   24/7 Accessibility
DBUs stand out for their round-the-clock accessibility, ensuring that customers can access their accounts and perform transactions at any time, enhancing the convenience of banking. DBUs are divided into two zones:

• Self-Service Zone: Open 24/7 for customers, enabling them to carry out various banking activities independently.
• Digital Assisted Zone: Available during regular banking hours, offering digital assistance to customers for transactions and services.

4.  Customer Grievances and Feedback
DBUs provide a platform for customers to register complaints, offer feedback, and participate in customer surveys. This ensures that the bank is always aware of customer concerns and can improve its services based on their input.

Let’s understand it with the example of Ramesh, a 45-year-old shop owner, who wanted to streamline his banking needs without frequent branch visits. He utilised Indian Bank's Digital Banking Units (DBUs) for multiple services, ensuring smooth financial transactions. 

Here's how he benefited:

Impact of Digital Banking Services in Ramesh's Case

• Saved Time: Reduced branch visits from 6 per month to 1 for complex issues.
  
  
• Increased Efficiency: Completed transactions in less than 5 minutes using mobile banking.
  
  
• Secured Future: Enrolled in a government insurance scheme for financial security.
  
  
• Business Growth: Secured a business loan of ₹5,00,000 within 7 working days.

Ramesh's case highlights how digital banking services provide convenience, security, and efficiency in financial management.

Indian Bank Customer Care Timings

1. 24/7 Availability

Indian Bank provides round-the-clock customer support, available 24 hours a day, 7 days a week. You can reach out to the bank for any assistance at the toll-free number: 1800 425 0000.

2. For Complaints and Grievances

If you have any complaints or grievances, you can contact the Chief Vigilance Officer via email at:
Email: hovigilance@indianbank.co.in 

3. For Net Banking Related Queries or Disputes

If you face any issues or have queries related to net banking transactions, you can contact the RTGS Cell:
Email: rtgscell@indianbank.co.in 
Phone: 044-28134163/64

4. For Balance Inquiries

For inquiries regarding your account balance, you can call the toll-free number:
Toll-Free Number: 1800 425 0000

Tips for Customers

1. Plan Your Visit During Working Hours

• Indian Bank operates from 10:00 AM to 4:00 PM on weekdays (Monday to Friday). Make sure to visit the branch during these hours for any in-person banking services.

2 . Avoid the Second and Fourth Saturdays

• Indian Bank is closed on the second and fourth Saturdays of every month. Plan your visit accordingly to avoid any inconvenience.

3. Check Branch-Specific Timings

• While most branches follow the same timings, certain branches may have slight variations. Always double-check with your specific branch before visiting.

4. Use Digital Banking on Non-Banking Days

• Since Indian Bank is closed on Sundays and public holidays, you can still carry out your transactions via Internet Banking, Mobile Banking, or IMPS, which are available 24/7.

5. Lunch Breaks

• Bank staff usually take lunch between 1:00 PM and 2:00 PM. It’s best to avoid visiting during this time for faster service.

6. RTGS and NEFT Timings

• NEFT is available 24/7, but for in-branch transactions, the cut-off time is typically 6:30 PM on weekdays. RTGS is available from 8:00 AM to 4:30 PM on weekdays and till 2:00 PM on working Saturdays.

FAQ’s

1. What are the regular working hours of Indian Bank?

Indian Bank is open Monday through Friday from 10:00 AM to 4:00 PM. It is closed on Saturdays (second and fourth), Sundays, and public holidays.

2. Is Indian Bank open on Saturdays?

Indian Bank is open from 10:00 AM to 4:00 PM on the first, third, and fifth Saturdays of each month. However, it remains closed on the second and fourth Saturdays of each month.

3. Are there any specific lunch break timings at Indian Bank?

Yes, lunch breaks are typically observed between 1:00 PM and 2:00 PM at most branches. It’s advisable to avoid visiting during this time for faster service.

4. Can I access my account or make transactions outside banking hours?

Yes, Internet Banking, Mobile Banking, and IMPS services are available 24/7, allowing you to perform transactions anytime, even outside regular banking hours.

5. What are the cut-off timings for RTGS and NEFT transactions?

NEFT is available 24/7, but for in-branch transactions, the cut-off time is typically 6:30 PM on weekdays, and  RTGS is available from 8:00 AM to 4:30 PM on weekdays and until 2:00 PM on working Saturdays.

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