If you are searching for the IFSC code of Indian Bank, NEELANKARAI branch in CHENNAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000N089. 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 NEELANKARAI branch, and detailed step-by-step guides for using the IFSC IDIB000N089 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, IDIB000N089 is the IFSC of Indian Bank's NEELANKARAI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00N089 = branch identifier.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Neelankarai branch — IFSC IDIB000N089 — extends the bank's services to customers in and around Chennai, Tamil Nadu.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Neelankarai |
| IFSC Code | IDIB000N089 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO4/112 E C R NEELANKARAI CHENNAI NEELANKARAI PIN 600115 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 24491828 |
About this branch
The branch is located at NO4/112 E C R NEELANKARAI CHENNAI NEELANKARAI PIN 600115. It serves the Chennai 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 IDIB000N089 is used to identify this branch on the RBI payments network.
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 Indian Bank's NEELANKARAI branch came to be assigned the code IDIB000N089.
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 IDIB000N089, money simply cannot be routed to the NEELANKARAI branch electronically.
Account types you can open at the Neelankarai branch
Once you have an account at Indian Bank – NEELANKARAI, the IFSC IDIB000N089 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 Neelankarai 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 IDIB000N089
How to transfer money using IFSC IDIB000N089
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 IDIB000N089 across all three.
NEFT to Indian Bank, NEELANKARAI using IFSC IDIB000N089
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 IDIB000N089, and confirm that the system picks up Indian Bank – NEELANKARAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000N089
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 Indian Bank – NEELANKARAI, ensure your bank's portal accepts IFSC IDIB000N089 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank NEELANKARAI (IFSC IDIB000N089)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000N089 in your mobile or internet banking app, and the money is credited to the NEELANKARAI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Neelankarai
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 IDIB000N089:
- 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 NEELANKARAI is still linked to IFSC IDIB000N089.
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 IDIB000N089
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 – NEELANKARAI is still mapped to IFSC IDIB000N089. 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 IDIB000N089 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 Neelankarai 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 IDIB000N089 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 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 IDIB000N089 and the account number together uniquely identify the Neelankarai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IDIB000N089
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 – NEELANKARAI, 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:
IDIB000N089. - 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 Neelankarai branch
The branch is located at NO4/112 E C R NEELANKARAI CHENNAI NEELANKARAI PIN 600115, which puts it inside Chennai, 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 Neelankarai branch” — the verified location pin for IFSC IDIB000N089 should appear at the top of the results.
- Confirm the branch is open by calling 44-24491828 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 IDIB000N089 and your account number.
Verifying IFSC IDIB000N089 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 IDIB000N089 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-24491828.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Neelankarai 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 IDIB000N089 continue to work without interruption.
Branch address & contact
Indian BankNeelankarai Branch
NO4/112 E C R NEELANKARAI CHENNAI NEELANKARAI PIN 600115
Chennai, Tamil Nadu
Phone: 44-24491828
IFSC: IDIB000N089
Frequently asked questions
Can I use IFSC IDIB000N089 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000N089 to send funds instantly.
Is IFSC IDIB000N089 valid for NEFT and RTGS?
Yes. IFSC IDIB000N089 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Neelankarai branch but serve different purposes.
What is the IFSC code of Indian Bank Neelankarai branch?
The IFSC code of Indian Bank, Neelankarai branch is IDIB000N089. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000N089 the same for all accounts at Neelankarai branch?
Yes. The IFSC IDIB000N089 is shared by every account held at Indian Bank's Neelankarai branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IDIB000N089 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Neelankarai reflect within 30 minutes.
What is the phone number of Indian Bank Neelankarai branch?
You can reach the branch at 44-24491828 during regular banking hours.
Does Indian Bank Neelankarai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-24491828 to confirm.
Summary
The IFSC code IDIB000N089 belongs to Indian Bank's NEELANKARAI branch, located at NO4/112 E C R NEELANKARAI CHENNAI NEELANKARAI PIN 600115 in CHENNAI, 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.
