If you are searching for the IFSC code of IDBI Bank, KARANODAI branch in KARANODAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IBKL0002028. 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 KARANODAI branch, and detailed step-by-step guides for using the IFSC IBKL0002028 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IBKL0002028 is the IFSC of IDBI Bank's KARANODAI branch. The format is fixed: IBKL = bank code, 0 = reserved, 002028 = branch identifier.
About IDBI Bank
IDBI Bank operates a wide network of branches across India, including the Karanodai branch in Karanodai. 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, IBKL0002028.
Karanodai branch overview
Located at NO 3/104,GNT ROAD,KARANODAI, the Karanodai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0002028 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Karanodai |
| IFSC Code | IBKL0002028 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 3/104,GNT ROAD,KARANODAI |
| City | Karanodai |
| District | Thiruvallur |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 24980735 |
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 KARANODAI branch came to be assigned the code IBKL0002028.
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 IBKL0002028, money simply cannot be routed to the KARANODAI branch electronically.
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 IBKL0002028 and the account number together uniquely identify the Karanodai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IBKL0002028
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 IBKL0002028 across all three.
NEFT to IDBI Bank, KARANODAI using IFSC IBKL0002028
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 IBKL0002028, and confirm that the system picks up IDBI Bank – KARANODAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KARANODAI
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's KARANODAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0002028 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to IDBI Bank – KARANODAI, use IMPS. With IFSC IBKL0002028 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 IBKL0002028 for IDBI Bank – KARANODAI, 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 – IBKL0002028 | Yes – IBKL0002028 | Yes – IBKL0002028 |
For most retail customers crediting the Karanodai 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 IBKL0002028
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 – KARANODAI is still mapped to IFSC IBKL0002028. 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 IBKL0002028 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Karanodai branch is mapped to IFSC IBKL0002028 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 IBKL0002028.
Products and services
Customers walking into the Karanodai branch can access most of IDBI Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IBKL0002028
Online banking and IFSC IBKL0002028
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the KARANODAI 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 IBKL0002028 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.
Reaching the branch
The Karanodai branch sits at NO 3/104,GNT ROAD,KARANODAI. If you are travelling from outside Karanodai, search for the branch on a maps application using the bank name and locality, or call 44-24980735 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 IBKL0002028 and your account number.
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 – KARANODAI:
- The IFSC is exactly IBKL0002028 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 KARANODAI 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Karanodai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0002028, however, work 24x7.
Verifying IFSC IBKL0002028 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 IBKL0002028 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-24980735.
- Visiting the bank's official branch locator page.
Branch address & contact
IDBI BankKaranodai Branch
NO 3/104,GNT ROAD,KARANODAI
Karanodai, Tamil Nadu
Phone: 44-24980735
IFSC: IBKL0002028
Frequently asked questions
How do I add IDBI Bank Karanodai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0002028, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IBKL0002028 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Karanodai reflect within 30 minutes.
What is the phone number of IDBI Bank Karanodai branch?
You can reach the branch at 44-24980735 during regular banking hours.
Can I use IFSC IBKL0002028 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0002028 to send funds instantly.
Is IFSC IBKL0002028 the same for all accounts at Karanodai branch?
Yes. The IFSC IBKL0002028 is shared by every account held at IDBI Bank's Karanodai branch. Only the account number changes from customer to customer.
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 Karanodai branch but serve different purposes.
Is IFSC IBKL0002028 valid for NEFT and RTGS?
Yes. IFSC IBKL0002028 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does IDBI Bank Karanodai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-24980735 to confirm.
Final notes
To recap: IBKL0002028 is the IFSC code of IDBI Bank, KARANODAI branch, in KARANODAI, TAMIL NADU. 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.
