IFSC Code of IDBI Bank, IDBI Bank Ltd Thamarasserry Branch, Kerala

Below are the complete branch details for IDBI Bank, IDBI BANK LTD THAMARASSERRY branch, located in KOZHIKODE, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0002178. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IBKL0002178 for IDBI Bank – IDBI BANK LTD THAMARASSERRY — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 IDBI BANK LTD THAMARASSERRY branch, the IFSC IBKL0002178 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 002178 identifies this particular branch.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The IDBI Bank Ltd Thamarasserry branch — IFSC IBKL0002178 — extends the bank's services to customers in and around Kozhikode, Kerala.

Branch details at a glance

IDBI Bank Ltd Thamarasserry branch overview

Located at IDBI BANK,METRO TOWER,GROUND FLOOR,NEAR KEDAVOOR JUMA MASJID,WAYANAD ROAD,THAMARASSERY,KOZHIKODE 673573, the IDBI Bank Ltd Thamarasserry branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0002178 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 IDBI BANK LTD THAMARASSERRY branch came to be assigned the code IBKL0002178.

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 IBKL0002178, money simply cannot be routed to the IDBI BANK LTD THAMARASSERRY branch electronically.

Account types you can open at the IDBI Bank Ltd Thamarasserry branch

Once you have an account at IDBI Bank – IDBI BANK LTD THAMARASSERRY, the IFSC IBKL0002178 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The IDBI Bank Ltd Thamarasserry branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8189983366.

• 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 IBKL0002178

How to transfer money using IFSC IBKL0002178

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 IBKL0002178 across all three.

How to use IFSC IBKL0002178 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's IDBI BANK LTD THAMARASSERRY 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IBKL0002178.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as IDBI BANK LTD THAMARASSERRY.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IBKL0002178

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 – IDBI BANK LTD THAMARASSERRY, ensure your bank's portal accepts IFSC IBKL0002178 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank IDBI BANK LTD THAMARASSERRY (IFSC IBKL0002178)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0002178 in your mobile or internet banking app, and the money is credited to the IDBI BANK LTD THAMARASSERRY branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL0002178 for IDBI Bank – IDBI BANK LTD THAMARASSERRY, 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.

For most retail customers crediting the IDBI Bank Ltd Thamarasserry 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at IDBI Bank's IDBI BANK LTD THAMARASSERRY branch, the IFSC IBKL0002178 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC IBKL0002178

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the IDBI BANK LTD THAMARASSERRY 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 IBKL0002178 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 IDBI Bank Ltd Thamarasserry branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0002178 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 – IDBI BANK LTD THAMARASSERRY:

• The IFSC is exactly IBKL0002178 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 IDBI BANK LTD THAMARASSERRY 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 IDBI Bank Ltd Thamarasserry branch sits at IDBI BANK,METRO TOWER,GROUND FLOOR,NEAR KEDAVOOR JUMA MASJID,WAYANAD ROAD,THAMARASSERY,KOZHIKODE 673573. If you are travelling from outside Kozhikode, search for the branch on a maps application using the bank name and locality, or call 91-8189983366 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 IBKL0002178 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0002178 for IDBI Bank – IDBI BANK LTD THAMARASSERRY, 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.

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 IDBI Bank Ltd Thamarasserry branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0002178, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0002178 is the IFSC code of IDBI Bank, IDBI BANK LTD THAMARASSERRY branch, in KOZHIKODE, KERALA. 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.