Use this page as a one-stop reference for everything related to Indian Bank's KALAVAI branch in KALAVAI, TAMIL NADU. The branch's IFSC code IDIB000K005 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, IDIB000K005 is the IFSC of Indian Bank's KALAVAI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00K005 = branch identifier.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Kalavai branch in Kalavai. 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, IDIB000K005.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kalavai |
| IFSC Code | IDIB000K005 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO10/1 BRAHMANAR STREET KALAVAI KALAVAI PIN 632506 |
| City | Kalavai |
| District | Ranipet |
| State | Tamil Nadu |
| STD Code | 4173 |
| Phone | 242244 |
About the Kalavai branch
The Kalavai branch of Indian Bank is situated at NO10/1 BRAHMANAR STREET KALAVAI KALAVAI PIN 632506. 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 IDIB000K005 is used.
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 KALAVAI branch came to be assigned the code IDIB000K005.
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 IDIB000K005, money simply cannot be routed to the KALAVAI branch electronically.
Account types you can open at the Kalavai branch
Once you have an account at Indian Bank – KALAVAI, the IFSC IDIB000K005 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Kalavai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4173-242244.
- 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 IDIB000K005
How to transfer money using IFSC IDIB000K005
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 IDIB000K005 across all three.
NEFT to Indian Bank, KALAVAI using IFSC IDIB000K005
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 IDIB000K005, and confirm that the system picks up Indian Bank – KALAVAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000K005
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 – KALAVAI, ensure your bank's portal accepts IFSC IDIB000K005 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank KALAVAI (IFSC IDIB000K005)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K005 in your mobile or internet banking app, and the money is credited to the KALAVAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K005 for Indian Bank – KALAVAI, 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 – IDIB000K005 | Yes – IDIB000K005 | Yes – IDIB000K005 |
For most retail customers crediting the Kalavai 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 KALAVAI branch, the IFSC IDIB000K005 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.
Online banking and IFSC IDIB000K005
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KALAVAI 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 IDIB000K005 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 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 IDIB000K005 and the account number together uniquely identify the Kalavai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – KALAVAI:
- The IFSC is exactly IDIB000K005 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 KALAVAI 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 Kalavai branch
The branch is located at NO10/1 BRAHMANAR STREET KALAVAI KALAVAI PIN 632506, which puts it inside Kalavai, the broader Ranipet district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Kalavai branch” — the verified location pin for IFSC IDIB000K005 should appear at the top of the results.
- Confirm the branch is open by calling 4173-242244 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 IDIB000K005 and your account number.
Verifying IFSC IDIB000K005 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 IDIB000K005 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4173-242244.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kalavai 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 IDIB000K005 continue to work without interruption.
Branch address & contact
Indian BankKalavai Branch
NO10/1 BRAHMANAR STREET KALAVAI KALAVAI PIN 632506
Kalavai, Tamil Nadu
Phone: 4173-242244
IFSC: IDIB000K005
Frequently asked questions
How quickly will an NEFT transfer using IDIB000K005 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Kalavai reflect within 30 minutes.
Is IFSC IDIB000K005 valid for NEFT and RTGS?
Yes. IFSC IDIB000K005 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Bank Kalavai branch?
You can reach the branch at 4173-242244 during regular banking hours.
Does Indian Bank Kalavai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4173-242244 to confirm.
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 Kalavai branch but serve different purposes.
How do I add Indian Bank Kalavai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K005, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Bank Kalavai branch?
The IFSC code of Indian Bank, Kalavai branch is IDIB000K005. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Kalavai branch located?
Indian Bank's Kalavai branch is located at NO10/1 BRAHMANAR STREET KALAVAI KALAVAI PIN 632506, Kalavai, Tamil Nadu.
Summary
The IFSC code IDIB000K005 belongs to Indian Bank's KALAVAI branch, located at NO10/1 BRAHMANAR STREET KALAVAI KALAVAI PIN 632506 in KALAVAI, 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.
