Below are the complete branch details for Indian Bank, ROYAPURAM branch, located in CHENNAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000R022. 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 IDIB000R022 for Indian Bank – ROYAPURAM — 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, IDIB000R022 is the IFSC of Indian Bank's ROYAPURAM branch. The format is fixed: IDIB = bank code, 0 = reserved, 00R022 = 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 Royapuram branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code IDIB000R022 for all electronic settlement.
About this branch
The branch is located at 151 MANNARSAMY KOIL ST ROYAPURAM CHENNAI ROYAPURAM PIN 600013. 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 IDIB000R022 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Royapuram |
| IFSC Code | IDIB000R022 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 151 MANNARSAMY KOIL ST ROYAPURAM CHENNAI ROYAPURAM PIN 600013 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 25952839 |
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 ROYAPURAM branch came to be assigned the code IDIB000R022.
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 IDIB000R022, money simply cannot be routed to the ROYAPURAM branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Royapuram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000R022 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IDIB000R022
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 IDIB000R022 across all three.
NEFT to Indian Bank, ROYAPURAM using IFSC IDIB000R022
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 IDIB000R022, and confirm that the system picks up Indian Bank – ROYAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000R022
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 – ROYAPURAM, ensure your bank's portal accepts IFSC IDIB000R022 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – ROYAPURAM, use IMPS. With IFSC IDIB000R022 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 Royapuram
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 IDIB000R022:
- 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 ROYAPURAM is still linked to IFSC IDIB000R022.
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.
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 ROYAPURAM branch, the IFSC IDIB000R022 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.
Products and account variants supported
Every account opened at the Royapuram branch is mapped to IFSC IDIB000R022 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian 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 IDIB000R022.
Products and services
Customers walking into the Royapuram 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 IDIB000R022
Digital banking channels
Most day-to-day work that customers used to do at the Royapuram 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 IDIB000R022 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.
How to reach the Royapuram branch
The branch is located at 151 MANNARSAMY KOIL ST ROYAPURAM CHENNAI ROYAPURAM PIN 600013, 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 Royapuram branch” — the verified location pin for IFSC IDIB000R022 should appear at the top of the results.
- Confirm the branch is open by calling 44-25952839 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 IDIB000R022 and your account number.
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 Indian Bank – ROYAPURAM:
- The IFSC is exactly IDIB000R022 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Bank as the bank name and ROYAPURAM 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.
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 Royapuram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000R022, however, work 24x7.
Verifying IFSC IDIB000R022 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 IDIB000R022 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-25952839.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankRoyapuram Branch
151 MANNARSAMY KOIL ST ROYAPURAM CHENNAI ROYAPURAM PIN 600013
Chennai, Tamil Nadu
Phone: 44-25952839
IFSC: IDIB000R022
Frequently asked questions
How do I add Indian Bank Royapuram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000R022, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Bank Royapuram branch?
You can reach the branch at 44-25952839 during regular banking hours.
Does Indian Bank Royapuram branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-25952839 to confirm.
Where is Indian Bank Royapuram branch located?
Indian Bank's Royapuram branch is located at 151 MANNARSAMY KOIL ST ROYAPURAM CHENNAI ROYAPURAM PIN 600013, Chennai, Tamil Nadu.
Can I use IFSC IDIB000R022 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000R022 to send funds instantly.
How quickly will an NEFT transfer using IDIB000R022 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Royapuram reflect within 30 minutes.
Is IFSC IDIB000R022 the same for all accounts at Royapuram branch?
Yes. The IFSC IDIB000R022 is shared by every account held at Indian Bank's Royapuram branch. Only the account number changes from customer to customer.
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 Royapuram branch but serve different purposes.
Summary
The IFSC code IDIB000R022 belongs to Indian Bank's ROYAPURAM branch, located at 151 MANNARSAMY KOIL ST ROYAPURAM CHENNAI ROYAPURAM PIN 600013 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.
