If you are searching for the IFSC code of IDBI Bank, IRINJALAKUDA branch in IRINJALAKUDA, KERALA, this page has every detail you need. The verified IFSC code for this branch is IBKL0001434. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the IRINJALAKUDA branch, and detailed step-by-step guides for using the IFSC IBKL0001434 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For IDBI Bank's IRINJALAKUDA branch, the IFSC IBKL0001434 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 001434 identifies this particular branch.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Irinjalakuda |
| IFSC Code | IBKL0001434 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR PRIVATE BUS STAND,KATTOOR ROAD,IRINJALAKUDA |
| City | Irinjalakuda |
| District | Thrissur |
| State | Kerala |
| Phone | 4802832360 |
About the bank
IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Irinjalakuda branch in Irinjalakuda, Kerala is part of this network and uses the IFSC code IBKL0001434 for all electronic settlement.
About this branch
The branch is located at NEAR PRIVATE BUS STAND,KATTOOR ROAD,IRINJALAKUDA. It serves the Irinjalakuda region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0001434 is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how IDBI Bank's IRINJALAKUDA branch came to be assigned the code IBKL0001434.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IBKL0001434, money simply cannot be routed to the IRINJALAKUDA branch electronically.
How to transfer money using IFSC IBKL0001434
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IBKL0001434 across all three.
How to use IFSC IBKL0001434 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's IRINJALAKUDA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IBKL0001434.
- Confirm the bank name auto-populates as IDBI Bank and the branch as IRINJALAKUDA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IBKL0001434
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to IDBI Bank – IRINJALAKUDA, ensure your bank's portal accepts IFSC IBKL0001434 while registering the beneficiary. RTGS is also available 24x7.
IMPS to IDBI Bank IRINJALAKUDA (IFSC IBKL0001434)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0001434 in your mobile or internet banking app, and the money is credited to the IRINJALAKUDA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Irinjalakuda
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IBKL0001434:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at IRINJALAKUDA is still linked to IFSC IBKL0001434.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC IBKL0001434
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at IDBI Bank – IRINJALAKUDA is still mapped to IFSC IBKL0001434. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IBKL0001434 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Irinjalakuda branch is mapped to IFSC IBKL0001434 on the RBI payments network. The branch generally supports the full retail product catalogue of IDBI Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains IBKL0001434.
Banking services available
The Irinjalakuda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4802832360.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IBKL0001434
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by IDBI Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IBKL0001434 and the account number together uniquely identify the Irinjalakuda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IBKL0001434
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the IRINJALAKUDA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IBKL0001434 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Common mistakes to avoid when using IFSC IBKL0001434
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to IDBI Bank – IRINJALAKUDA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IBKL0001434. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Irinjalakuda branch
The branch is located at NEAR PRIVATE BUS STAND,KATTOOR ROAD,IRINJALAKUDA, which puts it inside Irinjalakuda, the broader Thrissur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Irinjalakuda branch” — the verified location pin for IFSC IBKL0001434 should appear at the top of the results.
- Confirm the branch is open by calling 4802832360 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IBKL0001434 and your account number.
Verifying IFSC IBKL0001434 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IBKL0001434 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4802832360.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Irinjalakuda are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IBKL0001434 continue to work without interruption.
Branch address & contact
IDBI BankIrinjalakuda Branch
NEAR PRIVATE BUS STAND,KATTOOR ROAD,IRINJALAKUDA
Irinjalakuda, Kerala
Phone: 4802832360
IFSC: IBKL0001434
Frequently asked questions
Does IDBI Bank Irinjalakuda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4802832360 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Irinjalakuda branch but serve different purposes.
How quickly will an NEFT transfer using IBKL0001434 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Irinjalakuda reflect within 30 minutes.
How do I add IDBI Bank Irinjalakuda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0001434, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of IDBI Bank Irinjalakuda branch?
The IFSC code of IDBI Bank, Irinjalakuda branch is IBKL0001434. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of IDBI Bank Irinjalakuda branch?
You can reach the branch at 4802832360 during regular banking hours.
Summary
The IFSC code IBKL0001434 belongs to IDBI Bank's IRINJALAKUDA branch, located at NEAR PRIVATE BUS STAND,KATTOOR ROAD,IRINJALAKUDA in IRINJALAKUDA, KERALA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
