Use this page as a one-stop reference for everything related to Indian Bank's IRITTY branch in KANNUR, KERALA. The branch's IFSC code IDIB000I113 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 – IRITTY is IDIB000I113. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00I113 map to this branch in KANNUR, KERALA.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Iritty |
| IFSC Code | IDIB000I113 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR MOOPANKKAV IRRITY KANNUR |
| City | Kannur |
| District | Kannur |
| State | Kerala |
| STD Code | 91 |
| Phone | 9513670078 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Iritty branch in Kannur, Kerala is part of this network and uses the IFSC code IDIB000I113 for all electronic settlement.
Iritty branch overview
Located at NEAR MOOPANKKAV IRRITY KANNUR, the Iritty branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000I113 is required for all interbank electronic transfers routed through this branch.
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 IRITTY branch came to be assigned the code IDIB000I113.
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 IDIB000I113, money simply cannot be routed to the IRITTY branch electronically.
How to transfer money using IFSC IDIB000I113
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 IDIB000I113 across all three.
How to use IFSC IDIB000I113 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's IRITTY branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IDIB000I113.
- Confirm the bank name auto-populates as Indian Bank and the branch as IRITTY.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000I113
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 – IRITTY, ensure your bank's portal accepts IFSC IDIB000I113 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – IRITTY, use IMPS. With IFSC IDIB000I113 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 Iritty
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 IDIB000I113:
- 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 IRITTY is still linked to IFSC IDIB000I113.
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.
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 IRITTY branch, the IFSC IDIB000I113 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.
Products and account variants supported
Every account opened at the Iritty branch is mapped to IFSC IDIB000I113 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 IDIB000I113.
Products and services
Customers walking into the Iritty 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 IDIB000I113
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 IDIB000I113 and the account number together uniquely identify the Iritty branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IDIB000I113
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the IRITTY 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 IDIB000I113 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.
Common mistakes to avoid when using IFSC IDIB000I113
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 – IRITTY, 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:
IDIB000I113. - 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.
How to reach the Iritty branch
The branch is located at NEAR MOOPANKKAV IRRITY KANNUR, which puts it inside Kannur, the broader Kannur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Iritty branch” — the verified location pin for IFSC IDIB000I113 should appear at the top of the results.
- Confirm the branch is open by calling 91-9513670078 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 IDIB000I113 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000I113 for Indian Bank – IRITTY, 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.
Working hours
Branch counters at Iritty 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 IDIB000I113 continue to work without interruption.
Branch address & contact
Indian BankIritty Branch
NEAR MOOPANKKAV IRRITY KANNUR
Kannur, Kerala
Phone: 91-9513670078
IFSC: IDIB000I113
Frequently asked questions
Where is Indian Bank Iritty branch located?
Indian Bank's Iritty branch is located at NEAR MOOPANKKAV IRRITY KANNUR, Kannur, Kerala.
Is IFSC IDIB000I113 valid for NEFT and RTGS?
Yes. IFSC IDIB000I113 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IDIB000I113 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Iritty reflect within 30 minutes.
How do I add Indian Bank Iritty as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000I113, 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 Iritty branch but serve different purposes.
Can I use IFSC IDIB000I113 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000I113 to send funds instantly.
Is IFSC IDIB000I113 the same for all accounts at Iritty branch?
Yes. The IFSC IDIB000I113 is shared by every account held at Indian Bank's Iritty branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Iritty branch?
You can reach the branch at 91-9513670078 during regular banking hours.
Summary
The IFSC code IDIB000I113 belongs to Indian Bank's IRITTY branch, located at NEAR MOOPANKKAV IRRITY KANNUR in KANNUR, KERALA. 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.
