If you are searching for the IFSC code of IDBI Bank, KARAIKAL branch in KARAIKAL, PUDUCHERRY, this page has every detail you need. The verified IFSC code for this branch is IBKL0001427. 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 KARAIKAL branch, and detailed step-by-step guides for using the IFSC IBKL0001427 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for IDBI Bank – KARAIKAL is IBKL0001427. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001427 map to this branch in KARAIKAL, PUDUCHERRY.
About IDBI Bank
IDBI Bank operates a wide network of branches across India, including the Karaikal branch in Karaikal. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IBKL0001427.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Karaikal |
| IFSC Code | IBKL0001427 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.28,THOMAS ARUL STREET,KARAIKAL |
| City | Karaikal |
| District | Karaikal |
| State | Puducherry |
| STD Code | 91 |
| Phone | 8610743702 |
Karaikal branch overview
Located at NO.28,THOMAS ARUL STREET,KARAIKAL, the Karaikal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0001427 is required for all interbank electronic transfers routed through this branch.
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 KARAIKAL branch came to be assigned the code IBKL0001427.
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 IBKL0001427, money simply cannot be routed to the KARAIKAL branch electronically.
Products and account variants supported
Every account opened at the Karaikal branch is mapped to IFSC IBKL0001427 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 IBKL0001427.
Banking services available
The Karaikal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8610743702.
- 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 IBKL0001427
How to transfer money using IFSC IBKL0001427
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 IBKL0001427 across all three.
NEFT to IDBI Bank, KARAIKAL using IFSC IBKL0001427
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IBKL0001427, and confirm that the system picks up IDBI Bank – KARAIKAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IBKL0001427
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 – KARAIKAL, ensure your bank's portal accepts IFSC IBKL0001427 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to IDBI Bank – KARAIKAL, use IMPS. With IFSC IBKL0001427 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL0001427 for IDBI Bank – KARAIKAL, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IBKL0001427 | Yes – IBKL0001427 | Yes – IBKL0001427 |
For most retail customers crediting the Karaikal branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC IBKL0001427
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 – KARAIKAL is still mapped to IFSC IBKL0001427. 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 IBKL0001427 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IBKL0001427
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the KARAIKAL 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 IBKL0001427 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.
MICR & cheque-truncation details
Cheques drawn on the Karaikal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0001427 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to IDBI Bank – KARAIKAL:
- The IFSC is exactly IBKL0001427 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills IDBI Bank as the bank name and KARAIKAL as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Karaikal branch sits at NO.28,THOMAS ARUL STREET,KARAIKAL. If you are travelling from outside Karaikal, search for the branch on a maps application using the bank name and locality, or call 91-8610743702 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IBKL0001427 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IBKL0001427 for IDBI Bank – KARAIKAL, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Karaikal 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 IBKL0001427 continue to work without interruption.
Branch address & contact
IDBI BankKaraikal Branch
NO.28,THOMAS ARUL STREET,KARAIKAL
Karaikal, Puducherry
Phone: 91-8610743702
IFSC: IBKL0001427
Frequently asked questions
What is the phone number of IDBI Bank Karaikal branch?
You can reach the branch at 91-8610743702 during regular banking hours.
Can I use IFSC IBKL0001427 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0001427 to send funds instantly.
How quickly will an NEFT transfer using IBKL0001427 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Karaikal reflect within 30 minutes.
Is IFSC IBKL0001427 the same for all accounts at Karaikal branch?
Yes. The IFSC IBKL0001427 is shared by every account held at IDBI Bank's Karaikal branch. Only the account number changes from customer to customer.
Is IFSC IBKL0001427 valid for NEFT and RTGS?
Yes. IFSC IBKL0001427 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of IDBI Bank Karaikal branch?
The IFSC code of IDBI Bank, Karaikal branch is IBKL0001427. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Karaikal branch but serve different purposes.
Where is IDBI Bank Karaikal branch located?
IDBI Bank's Karaikal branch is located at NO.28,THOMAS ARUL STREET,KARAIKAL, Karaikal, Puducherry.
Final notes
To recap: IBKL0001427 is the IFSC code of IDBI Bank, KARAIKAL branch, in KARAIKAL, PUDUCHERRY. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
