IFSC Code of IDFC First Bank Limited, Udupi Branch Branch, Karnataka

If you are searching for the IFSC code of IDFC First Bank Limited, UDUPI BRANCH branch in UDUPI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is IDFB0081291. 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 UDUPI BRANCH branch, and detailed step-by-step guides for using the IFSC IDFB0081291 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, IDFB0081291 is the IFSC of IDFC First Bank Limited's UDUPI BRANCH branch. The format is fixed: IDFB = bank code, 0 = reserved, 081291 = branch identifier.

About IDFC First Bank Limited

IDFC First Bank Limited operates a wide network of branches across India, including the Udupi Branch branch in Udupi. 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, IDFB0081291.

Branch details at a glance

About the Udupi Branch branch

The Udupi Branch branch of IDFC First Bank Limited is situated at GROUND FLOOR, DOOR NO.13-3-22A1, COURT ROAD, AJJARAKADU WARD, OLD MBC ROAD, MOODANINDABARU VILLAGE, UDUPI, KARNATAKA-576101, TOLL FREE NO.- 18602582000. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IDFB0081291 is used.

Why every IDFC First Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including UDUPI BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0081291 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IDFB0081291 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Udupi Branch branch is mapped to IFSC IDFB0081291 on the RBI payments network. The branch generally supports the full retail product catalogue of IDFC First Bank Limited, 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 IDFB0081291.

Products and services

Customers walking into the Udupi Branch branch can access most of IDFC First Bank Limited'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 IDFB0081291

How to transfer money using IFSC IDFB0081291

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 IDFB0081291 across all three.

How to use IFSC IDFB0081291 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDFC First Bank Limited's UDUPI BRANCH 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 IDFB0081291.
4. Confirm the bank name auto-populates as IDFC First Bank Limited and the branch as UDUPI BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to UDUPI BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at IDFC First Bank Limited's UDUPI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDFB0081291 while initiating the transfer and the credit will appear within minutes.

IMPS to IDFC First Bank Limited UDUPI BRANCH (IFSC IDFB0081291)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDFB0081291 in your mobile or internet banking app, and the money is credited to the UDUPI BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Udupi Branch

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 IDFB0081291:

• 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 UDUPI BRANCH is still linked to IFSC IDFB0081291.

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 IDFB0081291

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 IDFC First Bank Limited – UDUPI BRANCH is still mapped to IFSC IDFB0081291. 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 IDFB0081291 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDFB0081291

IDFC First Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UDUPI BRANCH 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 IDFB0081291 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 code & cheque clearing

Apart from IFSC, every cheque book issued by IDFC First Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDFB0081291 and the account number together uniquely identify the Udupi Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 IDFC First Bank Limited – UDUPI BRANCH:

• The IFSC is exactly IDFB0081291 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDFC First Bank Limited as the bank name and UDUPI BRANCH 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.

How to reach the Udupi Branch branch

The branch is located at GROUND FLOOR, DOOR NO.13-3-22A1, COURT ROAD, AJJARAKADU WARD, OLD MBC ROAD, MOODANINDABARU VILLAGE, UDUPI, KARNATAKA-576101, TOLL FREE NO.- 18602582000, which puts it inside Udupi, the broader Udupi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “IDFC First Bank Limited Udupi Branch branch” — the verified location pin for IFSC IDFB0081291 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 IDFB0081291 and your account number.

Verifying IFSC IDFB0081291 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 IDFB0081291 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

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 Udupi Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDFB0081291, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDFB0081291 belongs to IDFC First Bank Limited's UDUPI BRANCH branch, located at GROUND FLOOR, DOOR NO.13-3-22A1, COURT ROAD, AJJARAKADU WARD, OLD MBC ROAD,… in UDUPI, KARNATAKA. 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.