Below are the complete branch details for Indian Bank, NERAVY branch, located in KARAIKAL, PUDUCHERRY. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000N045. 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 IDIB000N045 for Indian Bank – NERAVY — 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 NERAVY branch, the IFSC IDIB000N045 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00N045 identifies this particular branch.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Neravy branch — IFSC IDIB000N045 — extends the bank's services to customers in and around Karaikal, Puducherry.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Neravy |
| IFSC Code | IDIB000N045 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1 EAST KING STREET NERAVY KARAIKAL KARAIKAL NERAVY PIN 609604 |
| City | Karaikal |
| District | Karaikal |
| State | Puducherry |
| STD Code | 4368 |
| Phone | 238476 |
About the Neravy branch
The Neravy branch of Indian Bank is situated at 1 EAST KING STREET NERAVY KARAIKAL KARAIKAL NERAVY PIN 609604. 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 IDIB000N045 is used.
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 NERAVY of Indian Bank — its own 11-character IFSC. The code IDIB000N045 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 IDIB000N045 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 Neravy branch is mapped to IFSC IDIB000N045 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 IDIB000N045.
Products and services
Customers walking into the Neravy 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 IDIB000N045
How to transfer money using IFSC IDIB000N045
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 IDIB000N045 across all three.
How to use IFSC IDIB000N045 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's NERAVY 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 IDIB000N045.
- Confirm the bank name auto-populates as Indian Bank and the branch as NERAVY.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to NERAVY
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's NERAVY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000N045 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 – NERAVY, use IMPS. With IFSC IDIB000N045 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 IDIB000N045 for Indian Bank – NERAVY, 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 – IDIB000N045 | Yes – IDIB000N045 | Yes – IDIB000N045 |
For most retail customers crediting the Neravy 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 NERAVY branch, the IFSC IDIB000N045 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 IDIB000N045
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the NERAVY 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 IDIB000N045 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 Neravy branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000N045 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 – NERAVY:
- The IFSC is exactly IDIB000N045 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 NERAVY 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 Neravy branch
The branch is located at 1 EAST KING STREET NERAVY KARAIKAL KARAIKAL NERAVY PIN 609604, which puts it inside Karaikal, the broader Karaikal district, and the state of Puducherry. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Neravy branch” — the verified location pin for IFSC IDIB000N045 should appear at the top of the results.
- Confirm the branch is open by calling 4368-238476 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 IDIB000N045 and your account number.
Verifying IFSC IDIB000N045 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 IDIB000N045 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4368-238476.
- Visiting the bank's official branch locator page.
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 Neravy branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000N045, however, work 24x7.
Branch address & contact
Indian BankNeravy Branch
1 EAST KING STREET NERAVY KARAIKAL KARAIKAL NERAVY PIN 609604
Karaikal, Puducherry
Phone: 4368-238476
IFSC: IDIB000N045
Frequently asked questions
Is IFSC IDIB000N045 valid for NEFT and RTGS?
Yes. IFSC IDIB000N045 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IDIB000N045 the same for all accounts at Neravy branch?
Yes. The IFSC IDIB000N045 is shared by every account held at Indian Bank's Neravy branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000N045 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000N045 to send funds instantly.
Where is Indian Bank Neravy branch located?
Indian Bank's Neravy branch is located at 1 EAST KING STREET NERAVY KARAIKAL KARAIKAL NERAVY PIN 609604, Karaikal, Puducherry.
How do I add Indian Bank Neravy as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000N045, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Neravy branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4368-238476 to confirm.
What is the phone number of Indian Bank Neravy branch?
You can reach the branch at 4368-238476 during regular banking hours.
Summary
The IFSC code IDIB000N045 belongs to Indian Bank's NERAVY branch, located at 1 EAST KING STREET NERAVY KARAIKAL KARAIKAL NERAVY PIN 609604 in KARAIKAL, PUDUCHERRY. 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.
