This section describes how to code bank data for International Direct Deposit (IDD) of Title II benefits to a financial institution (FI) in India. We store India bank account data on the MBR in the same fields used for U.S. direct deposit. Benefit payments, routed through the Federal Reserve Bank of Kansas City (FRBKC) and a contractor bank to the beneficiary's FI, use special coding to identify the data as IDD for India.

If you receive an IDD request in a U.S. domestic (i.e, non-border) field office (FO), forward all appropriate information to the Office of Earnings and International Operations, (OEIO), Division of International Operations (DIO) to process.

For detailed instructions on IDD requests and forwarding information, see

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  GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.

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  GN 02402.205 Direct Deposit Enrollment Outside the U.S.

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  GN 01010.255 Adjudication of Foreign Claims

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  GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization

We receive requests to input bank data by mail, phone, or fax in the following formats:

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  Blank check;

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  SSA-1199-IN International Direct Deposit Signup Form for India; or

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  Any document that contains required banking information.

If you receive information with discrepancies, see the following instructions:

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  GN 00203.020 Identity of Claimants

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  GN 02402.025 Direct Deposit Post Entitlement Interview

The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU) for input. DIO will fax incomplete forms to the FBU that serves India. The FBU contacts the beneficiary or FI for additional information.

The IDD coding for India bank data consists of up to 28 characters, including the country code of “I”:

1. 1. 

   An 11-digit India Financial System Code (IFSC), including:

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     A 5-character alphanumeric bank code (last character is always a zero); and

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     A 6-character alphanumeric branch code; and

2. 2. 

   An account number which begins with the letter “I” and contains up to 16 digits.

The FRBKC relies on SSA to provide them with the entire bank information to ensure correct posting of payments to a customers’ bank account. If the information is incomplete, the FRBKC rejects the payment and returns it to SSA. The preferred method for coding bank data for direct deposit in India is through ITS.gov. However, DIO technicians can use the procedure outlined below to code IDD of Title II benefits to the MBR for accounts in India if:

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  the direct deposit cutoff is within 4 days, or

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  you are unable to code the information directly into ITS.gov .

You cannot use ITS.gov if the direct deposit cutoff is within 4 days. Technicians must use an SSA system to code the data directly to the MBR.

Example 1

Three days before the cutoff, DIO receives a completed enrollment form for India for a Rupee Savings Account. The IFSC is A12B025CT35 (bank code is A12B0 and branch code is 25CT35), and the account number is 67890.

The technician processes the enrollment via POS, by completing the fields as follows:

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  Code an RTN of 660000000

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  Account Type field of “S”, for savings account

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  Dan of “I” (for India Rupee) A12B0 (the 5-character alphanumeric bank code), 25CT35 (the 6-character alphanumeric branch code), and 67890 (the first 5 digits of the account number

The coding in POS will reflect the following information:

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  DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660000000 ACCOUNT TYPE (C/S): S

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  DEPOSITOR ACCOUNT NUMBER: IA12B025CT3567890

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  CANCEL DIRECT DEPOSIT (Y):

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  DIRECT EXPRESS (Y):

The MBR will reflect the following information:

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  RTN- 660000000

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  DAN- SIA12B025CT3567890

Since the MBR is able to house all of the bank info in this example, there is no need to update ITS.gov. The information coded on the MBR will interface with ITS.gov.

Example 2

Three days before the cutoff, DIO receives a completed enrollment form for India for a Rupee Checking Account. The bank is A12B0, the branch is 25CT35, and the account number is 6789012345.

The technician processes the enrollment via POS by completing the fields as follows:

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  Code the RTN with 660000000;

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  The Account Type Field of “C”, for checking account; and

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  The DAN of “I” (for India Rupee), A12B0 (the 5-character alphanumeric bank code), 25CT35 (the 6-character alphanumeric branch code), and the first 5 digits of the account number of 6789012345.

The coding in POS will reflect:

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  DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660000000 ACCOUNT TYPE: (C/S): C

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  DEPOSITOR ACCOUNT NUMBER: 1A12B025CT3567890

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  CANCEL DIRECT DEPOSIT (Y):

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  DIRECT EXPRESS (Y):

The MBR will reflect the following information:

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  RTN- 660000000

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  DAN- CIA12B025CT3567890

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  GN 00203.020 Identity of Claimants

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  GN 01010.255 Adjudication of Foreign Claims

• •

  GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization

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  GN 02402.025 Direct Deposit Post Entitlement Interview

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  GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.

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  GN 02402.205 Direct Deposit Enrollment Outside the U.S.

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  ITS.gov International Treasury Services (U.S. Treasury system)