If you are searching for the IFSC code of Indian Bank, IND MSME AMBATTUR branch in AMBATTUR, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000I039. 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 IND MSME AMBATTUR branch, and detailed step-by-step guides for using the IFSC IDIB000I039 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, IDIB000I039 is the IFSC of Indian Bank's IND MSME AMBATTUR branch. The format is fixed: IDIB = bank code, 0 = reserved, 00I039 = branch identifier.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ind Msme Ambattur branch in Ambattur, Tamil Nadu is part of this network and uses the IFSC code IDIB000I039 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Ind Msme Ambattur |
| IFSC Code | IDIB000I039 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 69 MOUNASAMY MADAM STREET AMBATTUR AMBATTUR PIN 600053 |
| City | Ambattur |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 26573692 |
Ind Msme Ambattur branch overview
Located at 69 MOUNASAMY MADAM STREET AMBATTUR AMBATTUR PIN 600053, the Ind Msme Ambattur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000I039 is required for all interbank electronic transfers routed through this branch.
Why every Indian Bank 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 IND MSME AMBATTUR of Indian Bank — its own 11-character IFSC. The code IDIB000I039 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 IDIB000I039 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Ind Msme Ambattur branch
Once you have an account at Indian Bank – IND MSME AMBATTUR, the IFSC IDIB000I039 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.
Products and services
Customers walking into the Ind Msme Ambattur branch can access most of Indian 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 IDIB000I039
How to transfer money using IFSC IDIB000I039
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 IDIB000I039 across all three.
NEFT to Indian Bank, IND MSME AMBATTUR using IFSC IDIB000I039
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 IDIB000I039, and confirm that the system picks up Indian Bank – IND MSME AMBATTUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to IND MSME AMBATTUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's IND MSME AMBATTUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000I039 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank IND MSME AMBATTUR (IFSC IDIB000I039)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000I039 in your mobile or internet banking app, and the money is credited to the IND MSME AMBATTUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000I039 for Indian Bank – IND MSME AMBATTUR, 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 – IDIB000I039 | Yes – IDIB000I039 | Yes – IDIB000I039 |
For most retail customers crediting the Ind Msme Ambattur 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 Indian Bank's IND MSME AMBATTUR branch, the IFSC IDIB000I039 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 IDIB000I039
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the IND MSME AMBATTUR 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 IDIB000I039 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 Ind Msme Ambattur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000I039 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 IDIB000I039
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 Indian Bank – IND MSME AMBATTUR, 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:
IDIB000I039. - 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 Ind Msme Ambattur branch
The branch is located at 69 MOUNASAMY MADAM STREET AMBATTUR AMBATTUR PIN 600053, which puts it inside Ambattur, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Ind Msme Ambattur branch” — the verified location pin for IFSC IDIB000I039 should appear at the top of the results.
- Confirm the branch is open by calling 44-26573692 before stepping out, especially around public holidays.
- 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 IDIB000I039 and your account number.
Verifying IFSC IDIB000I039 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 IDIB000I039 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-26573692.
- 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 Ind Msme Ambattur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000I039, however, work 24x7.
Branch address & contact
Indian BankInd Msme Ambattur Branch
69 MOUNASAMY MADAM STREET AMBATTUR AMBATTUR PIN 600053
Ambattur, Tamil Nadu
Phone: 44-26573692
IFSC: IDIB000I039
Frequently asked questions
Can I use IFSC IDIB000I039 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000I039 to send funds instantly.
How quickly will an NEFT transfer using IDIB000I039 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Ind Msme Ambattur reflect within 30 minutes.
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 Ind Msme Ambattur branch but serve different purposes.
Does Indian Bank Ind Msme Ambattur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-26573692 to confirm.
What is the IFSC code of Indian Bank Ind Msme Ambattur branch?
The IFSC code of Indian Bank, Ind Msme Ambattur branch is IDIB000I039. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000I039 valid for NEFT and RTGS?
Yes. IFSC IDIB000I039 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Bank Ind Msme Ambattur branch?
You can reach the branch at 44-26573692 during regular banking hours.
How do I add Indian Bank Ind Msme Ambattur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000I039, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IDIB000I039 belongs to Indian Bank's IND MSME AMBATTUR branch, located at 69 MOUNASAMY MADAM STREET AMBATTUR AMBATTUR PIN 600053 in AMBATTUR, 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.
