Use this page as a one-stop reference for everything related to Indian Bank's ASWARAVANTHAPURAM branch in ERUMBI, TAMIL NADU. The branch's IFSC code IDIB000A059 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Bank's ASWARAVANTHAPURAM branch, the IFSC IDIB000A059 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00A059 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Aswaravanthapuram |
| IFSC Code | IDIB000A059 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 137/A CHITTOOR MAIN ROAD ASWARAVANTHAPURAM ERUMBI 631302 ERUMBI PIN 631302 |
| City | Erumbi |
| District | Tiruvallur |
| State | Tamil Nadu |
| STD Code | 4172 |
| Phone | 262253 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Aswaravanthapuram branch in Erumbi, Tamil Nadu is part of this network and uses the IFSC code IDIB000A059 for all electronic settlement.
About this branch
The branch is located at 137/A CHITTOOR MAIN ROAD ASWARAVANTHAPURAM ERUMBI 631302 ERUMBI PIN 631302. It serves the Erumbi 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 IDIB000A059 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 ASWARAVANTHAPURAM branch came to be assigned the code IDIB000A059.
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 IDIB000A059, money simply cannot be routed to the ASWARAVANTHAPURAM branch electronically.
How to transfer money using IFSC IDIB000A059
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 IDIB000A059 across all three.
NEFT to Indian Bank, ASWARAVANTHAPURAM using IFSC IDIB000A059
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 IDIB000A059, and confirm that the system picks up Indian Bank – ASWARAVANTHAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ASWARAVANTHAPURAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's ASWARAVANTHAPURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000A059 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank ASWARAVANTHAPURAM (IFSC IDIB000A059)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000A059 in your mobile or internet banking app, and the money is credited to the ASWARAVANTHAPURAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Aswaravanthapuram
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 IDIB000A059:
- 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 ASWARAVANTHAPURAM is still linked to IFSC IDIB000A059.
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 IDIB000A059
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 – ASWARAVANTHAPURAM is still mapped to IFSC IDIB000A059. 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 IDIB000A059 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Aswaravanthapuram branch is mapped to IFSC IDIB000A059 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 IDIB000A059.
Banking services available
The Aswaravanthapuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4172-262253.
- 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 IDIB000A059
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 IDIB000A059 and the account number together uniquely identify the Aswaravanthapuram 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 Aswaravanthapuram 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 IDIB000A059 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 IDIB000A059
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 – ASWARAVANTHAPURAM, 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:
IDIB000A059. - 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 Aswaravanthapuram branch sits at 137/A CHITTOOR MAIN ROAD ASWARAVANTHAPURAM ERUMBI 631302 ERUMBI PIN 631302. If you are travelling from outside Erumbi, search for the branch on a maps application using the bank name and locality, or call 4172-262253 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 IDIB000A059 and your account number.
Verifying IFSC IDIB000A059 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 IDIB000A059 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4172-262253.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Aswaravanthapuram 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 IDIB000A059 continue to work without interruption.
Branch address & contact
Indian BankAswaravanthapuram Branch
137/A CHITTOOR MAIN ROAD ASWARAVANTHAPURAM ERUMBI 631302 ERUMBI PIN 631302
Erumbi, Tamil Nadu
Phone: 4172-262253
IFSC: IDIB000A059
Frequently asked questions
Is IFSC IDIB000A059 the same for all accounts at Aswaravanthapuram branch?
Yes. The IFSC IDIB000A059 is shared by every account held at Indian Bank's Aswaravanthapuram branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000A059 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000A059 to send funds instantly.
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 Aswaravanthapuram branch but serve different purposes.
How quickly will an NEFT transfer using IDIB000A059 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Aswaravanthapuram reflect within 30 minutes.
What is the phone number of Indian Bank Aswaravanthapuram branch?
You can reach the branch at 4172-262253 during regular banking hours.
What is the IFSC code of Indian Bank Aswaravanthapuram branch?
The IFSC code of Indian Bank, Aswaravanthapuram branch is IDIB000A059. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000A059 valid for NEFT and RTGS?
Yes. IFSC IDIB000A059 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Bank Aswaravanthapuram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000A059, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IDIB000A059 belongs to Indian Bank's ASWARAVANTHAPURAM branch, located at 137/A CHITTOOR MAIN ROAD ASWARAVANTHAPURAM ERUMBI 631302 ERUMBI PIN 631302 in ERUMBI, 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.
