Below are the complete branch details for Indian Bank, KAMA REDDY branch, located in KAMAREDDY, TELANGANA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000K304. 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 IDIB000K304 for Indian Bank – KAMA REDDY — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KAMA REDDY branch, the IFSC IDIB000K304 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00K304 identifies this particular branch.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kama Reddy branch — IFSC IDIB000K304 — extends the bank's services to customers in and around Kamareddy, Telangana.
About the Kama Reddy branch
The Kama Reddy branch of Indian Bank is situated at 55298/1 SRIRAMNAGAR COLONY PRIYA DELUXE ROAD KAMAREDDY PIN 503111. 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 IDIB000K304 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kama Reddy |
| IFSC Code | IDIB000K304 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 55298/1 SRIRAMNAGAR COLONY PRIYA DELUXE ROAD KAMAREDDY PIN 503111 |
| City | Kamareddy |
| District | Kamareddy |
| State | Telangana |
| STD Code | 91 |
| Phone | 8468222288 |
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 KAMA REDDY of Indian Bank — its own 11-character IFSC. The code IDIB000K304 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 IDIB000K304 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 Kama Reddy branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K304 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 IDIB000K304
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 IDIB000K304 across all three.
NEFT to Indian Bank, KAMA REDDY using IFSC IDIB000K304
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 IDIB000K304, and confirm that the system picks up Indian Bank – KAMA REDDY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KAMA REDDY
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KAMA REDDY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K304 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank KAMA REDDY (IFSC IDIB000K304)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K304 in your mobile or internet banking app, and the money is credited to the KAMA REDDY branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K304 for Indian Bank – KAMA REDDY, 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 – IDIB000K304 | Yes – IDIB000K304 | Yes – IDIB000K304 |
For most retail customers crediting the Kama Reddy 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 IDIB000K304
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 – KAMA REDDY is still mapped to IFSC IDIB000K304. 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 IDIB000K304 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kama Reddy branch is mapped to IFSC IDIB000K304 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 IDIB000K304.
Products and services
Customers walking into the Kama Reddy 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 IDIB000K304
Online banking and IFSC IDIB000K304
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KAMA REDDY 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 IDIB000K304 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.
How to reach the Kama Reddy branch
The branch is located at 55298/1 SRIRAMNAGAR COLONY PRIYA DELUXE ROAD KAMAREDDY PIN 503111, which puts it inside Kamareddy, the broader Kamareddy district, and the state of Telangana. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Kama Reddy branch” — the verified location pin for IFSC IDIB000K304 should appear at the top of the results.
- Confirm the branch is open by calling 91-8468222288 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 IDIB000K304 and your account number.
Common mistakes to avoid when using IFSC IDIB000K304
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 – KAMA REDDY, 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:
IDIB000K304. - 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.
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 Kama Reddy branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K304, however, work 24x7.
Verifying IFSC IDIB000K304 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 IDIB000K304 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8468222288.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankKama Reddy Branch
55298/1 SRIRAMNAGAR COLONY PRIYA DELUXE ROAD KAMAREDDY PIN 503111
Kamareddy, Telangana
Phone: 91-8468222288
IFSC: IDIB000K304
Frequently asked questions
What is the IFSC code of Indian Bank Kama Reddy branch?
The IFSC code of Indian Bank, Kama Reddy branch is IDIB000K304. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Bank Kama Reddy branch?
You can reach the branch at 91-8468222288 during regular banking hours.
Is IFSC IDIB000K304 the same for all accounts at Kama Reddy branch?
Yes. The IFSC IDIB000K304 is shared by every account held at Indian Bank's Kama Reddy branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000K304 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K304 to send funds instantly.
How do I add Indian Bank Kama Reddy as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K304, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Kama Reddy branch but serve different purposes.
Summary
The IFSC code IDIB000K304 belongs to Indian Bank's KAMA REDDY branch, located at 55298/1 SRIRAMNAGAR COLONY PRIYA DELUXE ROAD KAMAREDDY PIN 503111 in KAMAREDDY, TELANGANA. 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.
