IFSC Code of Indian Bank, Kuvempunagar Mysuru Branch, Karnataka

Use this page as a one-stop reference for everything related to Indian Bank's KUVEMPUNAGAR MYSURU branch in JCSTM BLOCK KUVEMPU NAGAR, KARNATAKA. The branch's IFSC code IDIB000K854 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.

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 – KUVEMPUNAGAR MYSURU is IDIB000K854. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00K854 map to this branch in JCSTM BLOCK KUVEMPU NAGAR, KARNATAKA.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kuvempunagar Mysuru branch — IFSC IDIB000K854 — extends the bank's services to customers in and around Jcstm Block Kuvempu Nagar, Karnataka.

Branch details at a glance

About this branch

The branch is located at 38 USA RESIDENCY ADICHUNCHANAGIRI ROAD JCSTM BLOCK KUVEMPU NAGAR NEAR BUS DEPOT PIN 570023. It serves the Jcstm Block Kuvempu Nagar 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 IDIB000K854 is used to identify this branch on the RBI payments network.

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 KUVEMPUNAGAR MYSURU of Indian Bank — its own 11-character IFSC. The code IDIB000K854 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 IDIB000K854 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Kuvempunagar Mysuru branch is mapped to IFSC IDIB000K854 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 IDIB000K854.

Products and services

Customers walking into the Kuvempunagar Mysuru 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 IDIB000K854

How to transfer money using IFSC IDIB000K854

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 IDIB000K854 across all three.

NEFT to Indian Bank, KUVEMPUNAGAR MYSURU using IFSC IDIB000K854

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 IDIB000K854, and confirm that the system picks up Indian Bank – KUVEMPUNAGAR MYSURU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IDIB000K854

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 – KUVEMPUNAGAR MYSURU, ensure your bank's portal accepts IFSC IDIB000K854 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Bank – KUVEMPUNAGAR MYSURU, use IMPS. With IFSC IDIB000K854 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 IDIB000K854 for Indian Bank – KUVEMPUNAGAR MYSURU, 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.

For most retail customers crediting the Kuvempunagar Mysuru 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.

UPI payments and IFSC IDIB000K854

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 – KUVEMPUNAGAR MYSURU is still mapped to IFSC IDIB000K854. 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 IDIB000K854 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDIB000K854

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KUVEMPUNAGAR MYSURU 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 IDIB000K854 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.

MICR & cheque-truncation details

Cheques drawn on the Kuvempunagar Mysuru branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K854 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KUVEMPUNAGAR MYSURU:

• The IFSC is exactly IDIB000K854 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 KUVEMPUNAGAR MYSURU 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.

How to reach the Kuvempunagar Mysuru branch

The branch is located at 38 USA RESIDENCY ADICHUNCHANAGIRI ROAD JCSTM BLOCK KUVEMPU NAGAR NEAR BUS DEPOT PIN 570023, which puts it inside Jcstm Block Kuvempu Nagar, the broader Mysore district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Kuvempunagar Mysuru branch” — the verified location pin for IFSC IDIB000K854 should appear at the top of the results.
2. Confirm the branch is open by calling 821-2562565 before stepping out, especially around public holidays.
3. 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 IDIB000K854 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000K854 for Indian Bank – KUVEMPUNAGAR MYSURU, 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.

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 Kuvempunagar Mysuru branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K854, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000K854 belongs to Indian Bank's KUVEMPUNAGAR MYSURU branch, located at 38 USA RESIDENCY ADICHUNCHANAGIRI ROAD JCSTM BLOCK KUVEMPU NAGAR NEAR BUS… in JCSTM BLOCK KUVEMPU NAGAR, KARNATAKA. 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.