Below are the complete branch details for Indian Bank, CUMBUM branch, located in CUMBUM, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000C131. 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 IDIB000C131 for Indian Bank – CUMBUM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Bank – CUMBUM is IDIB000C131. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00C131 map to this branch in CUMBUM, TAMIL NADU.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Cumbum |
| IFSC Code | IDIB000C131 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 196 L F ROAD CUMBUM CUMBUM PIN 625516 |
| City | Cumbum |
| District | Theni |
| State | Tamil Nadu |
| STD Code | 4554 |
| Phone | 271818 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Cumbum branch in Cumbum. 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, IDIB000C131.
About the Cumbum branch
The Cumbum branch of Indian Bank is situated at 196 L F ROAD CUMBUM CUMBUM PIN 625516. 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 IDIB000C131 is used.
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 CUMBUM of Indian Bank — its own 11-character IFSC. The code IDIB000C131 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 IDIB000C131 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 IDIB000C131
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 IDIB000C131 across all three.
NEFT to Indian Bank, CUMBUM using IFSC IDIB000C131
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 IDIB000C131, and confirm that the system picks up Indian Bank – CUMBUM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000C131
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 – CUMBUM, ensure your bank's portal accepts IFSC IDIB000C131 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – CUMBUM, use IMPS. With IFSC IDIB000C131 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000C131 for Indian Bank – CUMBUM, 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 – IDIB000C131 | Yes – IDIB000C131 | Yes – IDIB000C131 |
For most retail customers crediting the Cumbum 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 CUMBUM branch, the IFSC IDIB000C131 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 Cumbum branch is mapped to IFSC IDIB000C131 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 IDIB000C131.
Banking services available
The Cumbum branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4554-271818.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDIB000C131
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 IDIB000C131 and the account number together uniquely identify the Cumbum branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IDIB000C131
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the CUMBUM 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 IDIB000C131 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.
Common mistakes to avoid when using IFSC IDIB000C131
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 – CUMBUM, 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:
IDIB000C131. - 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 Cumbum branch sits at 196 L F ROAD CUMBUM CUMBUM PIN 625516. If you are travelling from outside Cumbum, search for the branch on a maps application using the bank name and locality, or call 4554-271818 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 IDIB000C131 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000C131 for Indian Bank – CUMBUM, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Cumbum 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 IDIB000C131 continue to work without interruption.
Branch address & contact
Indian BankCumbum Branch
196 L F ROAD CUMBUM CUMBUM PIN 625516
Cumbum, Tamil Nadu
Phone: 4554-271818
IFSC: IDIB000C131
Frequently asked questions
Where is Indian Bank Cumbum branch located?
Indian Bank's Cumbum branch is located at 196 L F ROAD CUMBUM CUMBUM PIN 625516, Cumbum, Tamil Nadu.
Is IFSC IDIB000C131 valid for NEFT and RTGS?
Yes. IFSC IDIB000C131 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IDIB000C131 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000C131 to send funds instantly.
What is the IFSC code of Indian Bank Cumbum branch?
The IFSC code of Indian Bank, Cumbum branch is IDIB000C131. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Bank Cumbum branch?
You can reach the branch at 4554-271818 during regular banking hours.
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 Cumbum branch but serve different purposes.
How quickly will an NEFT transfer using IDIB000C131 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Cumbum reflect within 30 minutes.
How do I add Indian Bank Cumbum as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000C131, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IDIB000C131 belongs to Indian Bank's CUMBUM branch, located at 196 L F ROAD CUMBUM CUMBUM PIN 625516 in CUMBUM, 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.
