If you are searching for the IFSC code of Indian Bank, ARAKONAM branch in ARAKKONAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000A028. 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 ARAKONAM branch, and detailed step-by-step guides for using the IFSC IDIB000A028 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, IDIB000A028 is the IFSC of Indian Bank's ARAKONAM branch. The format is fixed: IDIB = bank code, 0 = reserved, 00A028 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Arakonam |
| IFSC Code | IDIB000A028 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO127 SHOLINGHUR ROAD ARAKKONAM ARAKKONAM PIN 631001 |
| City | Arakkonam |
| District | Ranipet |
| State | Tamil Nadu |
| STD Code | 4177 |
| Phone | 232388 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Arakonam branch in Arakkonam. 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, IDIB000A028.
About this branch
The branch is located at NO127 SHOLINGHUR ROAD ARAKKONAM ARAKKONAM PIN 631001. It serves the Arakkonam region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB000A028 is used to identify this branch on the RBI payments network.
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 ARAKONAM of Indian Bank — its own 11-character IFSC. The code IDIB000A028 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 IDIB000A028 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDIB000A028
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 IDIB000A028 across all three.
How to use IFSC IDIB000A028 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's ARAKONAM 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IDIB000A028.
- Confirm the bank name auto-populates as Indian Bank and the branch as ARAKONAM.
- 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 ARAKONAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's ARAKONAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000A028 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – ARAKONAM, use IMPS. With IFSC IDIB000A028 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Arakonam
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 IDIB000A028:
- 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 ARAKONAM is still linked to IFSC IDIB000A028.
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 IDIB000A028
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 Indian Bank – ARAKONAM is still mapped to IFSC IDIB000A028. 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 IDIB000A028 and the beneficiary's account number to complete the transfer.
Account types you can open at the Arakonam branch
Once you have an account at Indian Bank – ARAKONAM, the IFSC IDIB000A028 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 Arakonam 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 IDIB000A028
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDIB000A028 and the account number together uniquely identify the Arakonam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Arakonam 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 IDIB000A028 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.
Common mistakes to avoid when using IFSC IDIB000A028
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 – ARAKONAM, 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:
IDIB000A028. - 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.
Reaching the branch
The Arakonam branch sits at NO127 SHOLINGHUR ROAD ARAKKONAM ARAKKONAM PIN 631001. If you are travelling from outside Arakkonam, search for the branch on a maps application using the bank name and locality, or call 4177-232388 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 IDIB000A028 and your account number.
Verifying IFSC IDIB000A028 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 IDIB000A028 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4177-232388.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Arakonam 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 IDIB000A028 continue to work without interruption.
Branch address & contact
Indian BankArakonam Branch
NO127 SHOLINGHUR ROAD ARAKKONAM ARAKKONAM PIN 631001
Arakkonam, Tamil Nadu
Phone: 4177-232388
IFSC: IDIB000A028
Frequently asked questions
What is the phone number of Indian Bank Arakonam branch?
You can reach the branch at 4177-232388 during regular banking hours.
How quickly will an NEFT transfer using IDIB000A028 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Arakonam reflect within 30 minutes.
Can I use IFSC IDIB000A028 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000A028 to send funds instantly.
Is IFSC IDIB000A028 the same for all accounts at Arakonam branch?
Yes. The IFSC IDIB000A028 is shared by every account held at Indian Bank's Arakonam branch. Only the account number changes from customer to customer.
Does Indian Bank Arakonam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4177-232388 to confirm.
How do I add Indian Bank Arakonam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000A028, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Arakonam branch but serve different purposes.
Is IFSC IDIB000A028 valid for NEFT and RTGS?
Yes. IFSC IDIB000A028 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000A028 belongs to Indian Bank's ARAKONAM branch, located at NO127 SHOLINGHUR ROAD ARAKKONAM ARAKKONAM PIN 631001 in ARAKKONAM, 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.
