Use this page as a one-stop reference for everything related to Indian Bank's JAMMU TALAB TILOO branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code IDIB000T509 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.
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, IDIB000T509 is the IFSC of Indian Bank's JAMMU TALAB TILOO branch. The format is fixed: IDIB = bank code, 0 = reserved, 00T509 = branch identifier.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Jammu Talab Tiloo branch in Jammu. 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, IDIB000T509.
Jammu Talab Tiloo branch overview
Located at OPP ROYAL ESTATE BANQUET HALL JAMMUPOONCH HIGHWAY AKHNOOR ROAD JAMMU TALAB TILLO PIN 180002, the Jammu Talab Tiloo branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000T509 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Jammu Talab Tiloo |
| IFSC Code | IDIB000T509 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP ROYAL ESTATE BANQUET HALL JAMMUPOONCH HIGHWAY AKHNOOR ROAD JAMMU TALAB TILLO PIN 180002 |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
| STD Code | 91 |
| Phone | 7007564234 |
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 JAMMU TALAB TILOO of Indian Bank — its own 11-character IFSC. The code IDIB000T509 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 IDIB000T509 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Jammu Talab Tiloo branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000T509 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 IDIB000T509
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 IDIB000T509 across all three.
NEFT to Indian Bank, JAMMU TALAB TILOO using IFSC IDIB000T509
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 IDIB000T509, and confirm that the system picks up Indian Bank – JAMMU TALAB TILOO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JAMMU TALAB TILOO
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's JAMMU TALAB TILOO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000T509 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 – JAMMU TALAB TILOO, use IMPS. With IFSC IDIB000T509 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 Jammu Talab Tiloo
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 IDIB000T509:
- 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 JAMMU TALAB TILOO is still linked to IFSC IDIB000T509.
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 IDIB000T509
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 – JAMMU TALAB TILOO is still mapped to IFSC IDIB000T509. 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 IDIB000T509 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Jammu Talab Tiloo branch is mapped to IFSC IDIB000T509 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 IDIB000T509.
Banking services available
The Jammu Talab Tiloo branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7007564234.
- 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 IDIB000T509
Online banking and IFSC IDIB000T509
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the JAMMU TALAB TILOO 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 IDIB000T509 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.
Reaching the branch
The Jammu Talab Tiloo branch sits at OPP ROYAL ESTATE BANQUET HALL JAMMUPOONCH HIGHWAY AKHNOOR ROAD JAMMU TALAB TILLO PIN 180002. If you are travelling from outside Jammu, search for the branch on a maps application using the bank name and locality, or call 91-7007564234 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 IDIB000T509 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 – JAMMU TALAB TILOO:
- The IFSC is exactly IDIB000T509 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 JAMMU TALAB TILOO 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.
Working hours
Branch counters at Jammu Talab Tiloo 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 IDIB000T509 continue to work without interruption.
Verifying IFSC IDIB000T509 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 IDIB000T509 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7007564234.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankJammu Talab Tiloo Branch
OPP ROYAL ESTATE BANQUET HALL JAMMUPOONCH HIGHWAY AKHNOOR ROAD JAMMU TALAB TILLO PIN 180002
Jammu, Jammu and Kashmir
Phone: 91-7007564234
IFSC: IDIB000T509
Frequently asked questions
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 Jammu Talab Tiloo branch but serve different purposes.
Does Indian Bank Jammu Talab Tiloo branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7007564234 to confirm.
How quickly will an NEFT transfer using IDIB000T509 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Jammu Talab Tiloo reflect within 30 minutes.
Is IFSC IDIB000T509 the same for all accounts at Jammu Talab Tiloo branch?
Yes. The IFSC IDIB000T509 is shared by every account held at Indian Bank's Jammu Talab Tiloo branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Bank Jammu Talab Tiloo branch?
The IFSC code of Indian Bank, Jammu Talab Tiloo branch is IDIB000T509. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IDIB000T509 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000T509 to send funds instantly.
What is the phone number of Indian Bank Jammu Talab Tiloo branch?
You can reach the branch at 91-7007564234 during regular banking hours.
Summary
The IFSC code IDIB000T509 belongs to Indian Bank's JAMMU TALAB TILOO branch, located at OPP ROYAL ESTATE BANQUET HALL JAMMUPOONCH HIGHWAY AKHNOOR ROAD JAMMU TALAB… in JAMMU, JAMMU AND KASHMIR. 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.
