IFSC Code of IDBI Bank, Cherangode Ayyankolly Branch, Tamil Nadu

Below are the complete branch details for IDBI Bank, CHERANGODE AYYANKOLLY branch, located in UDHAGAMANDALAM, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0001656. 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 IBKL0001656 for IDBI Bank – CHERANGODE AYYANKOLLY — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IBKL0001656 is the IFSC of IDBI Bank's CHERANGODE AYYANKOLLY branch. The format is fixed: IBKL = bank code, 0 = reserved, 001656 = branch identifier.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Cherangode Ayyankolly branch — IFSC IBKL0001656 — extends the bank's services to customers in and around Udhagamandalam, Tamil Nadu.

Branch details at a glance

Cherangode Ayyankolly branch overview

Located at NEAR BUS STAND,MAIN ROAD,AYYANKOLLY,MUNNANAD P.O, the Cherangode Ayyankolly branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0001656 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 CHERANGODE AYYANKOLLY branch came to be assigned the code IBKL0001656.

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 IBKL0001656, money simply cannot be routed to the CHERANGODE AYYANKOLLY branch electronically.

Products and account variants supported

Every account opened at the Cherangode Ayyankolly branch is mapped to IFSC IBKL0001656 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 IBKL0001656.

Products and services

Customers walking into the Cherangode Ayyankolly 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 IBKL0001656

How to transfer money using IFSC IBKL0001656

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 IBKL0001656 across all three.

NEFT to IDBI Bank, CHERANGODE AYYANKOLLY using IFSC IBKL0001656

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 IBKL0001656, and confirm that the system picks up IDBI Bank – CHERANGODE AYYANKOLLY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHERANGODE AYYANKOLLY

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's CHERANGODE AYYANKOLLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0001656 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank CHERANGODE AYYANKOLLY (IFSC IBKL0001656)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0001656 in your mobile or internet banking app, and the money is credited to the CHERANGODE AYYANKOLLY branch account within seconds.

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

All three modes accept the IFSC IBKL0001656 for IDBI Bank – CHERANGODE AYYANKOLLY, 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 Cherangode Ayyankolly 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 IBKL0001656

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 – CHERANGODE AYYANKOLLY is still mapped to IFSC IBKL0001656. 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 IBKL0001656 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Cherangode Ayyankolly branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IBKL0001656 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Cherangode Ayyankolly branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0001656 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC IBKL0001656

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 – CHERANGODE AYYANKOLLY, 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: IBKL0001656.
• 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 Cherangode Ayyankolly branch

The branch is located at NEAR BUS STAND,MAIN ROAD,AYYANKOLLY,MUNNANAD P.O, which puts it inside Udhagamandalam, the broader Nilgiris district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Cherangode Ayyankolly branch” — the verified location pin for IFSC IBKL0001656 should appear at the top of the results.
2. Confirm the branch is open by calling 91-8660734850 before stepping out, especially around public holidays.
3. 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 IBKL0001656 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0001656 for IDBI Bank – CHERANGODE AYYANKOLLY, 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 Cherangode Ayyankolly 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 IBKL0001656 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0001656 belongs to IDBI Bank's CHERANGODE AYYANKOLLY branch, located at NEAR BUS STAND,MAIN ROAD,AYYANKOLLY,MUNNANAD P.O in UDHAGAMANDALAM, TAMIL NADU. 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.