If you are searching for the IFSC code of Indian Bank, KARAMBAKUDI branch in KARAMBAKUDI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000K135. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KARAMBAKUDI branch, and detailed step-by-step guides for using the IFSC IDIB000K135 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 KARAMBAKUDI branch, the IFSC IDIB000K135 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00K135 identifies this particular branch.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Karambakudi branch — IFSC IDIB000K135 — extends the bank's services to customers in and around Karambakudi, Tamil Nadu.
Karambakudi branch overview
Located at 14 NEYVELY MAIN ROAD KARAMBAKUDI KARAMBAKUDI PIN 622302, the Karambakudi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000K135 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Karambakudi |
| IFSC Code | IDIB000K135 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 14 NEYVELY MAIN ROAD KARAMBAKUDI KARAMBAKUDI PIN 622302 |
| City | Karambakudi |
| District | Pudukkottai |
| State | Tamil Nadu |
| STD Code | 4322 |
| Phone | 255255 |
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 KARAMBAKUDI branch came to be assigned the code IDIB000K135.
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 IDIB000K135, money simply cannot be routed to the KARAMBAKUDI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Karambakudi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K135 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 IDIB000K135
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 IDIB000K135 across all three.
How to use IFSC IDIB000K135 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's KARAMBAKUDI 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 IDIB000K135.
- Confirm the bank name auto-populates as Indian Bank and the branch as KARAMBAKUDI.
- 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 KARAMBAKUDI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KARAMBAKUDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K135 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank KARAMBAKUDI (IFSC IDIB000K135)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K135 in your mobile or internet banking app, and the money is credited to the KARAMBAKUDI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K135 for Indian Bank – KARAMBAKUDI, 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 – IDIB000K135 | Yes – IDIB000K135 | Yes – IDIB000K135 |
For most retail customers crediting the Karambakudi 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 IDIB000K135
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 – KARAMBAKUDI is still mapped to IFSC IDIB000K135. 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 IDIB000K135 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Karambakudi branch is mapped to IFSC IDIB000K135 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 IDIB000K135.
Banking services available
The Karambakudi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4322-255255.
- 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 IDIB000K135
Online banking and IFSC IDIB000K135
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KARAMBAKUDI 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 IDIB000K135 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.
Reaching the branch
The Karambakudi branch sits at 14 NEYVELY MAIN ROAD KARAMBAKUDI KARAMBAKUDI PIN 622302. If you are travelling from outside Karambakudi, search for the branch on a maps application using the bank name and locality, or call 4322-255255 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IDIB000K135 and your account number.
Common mistakes to avoid when using IFSC IDIB000K135
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 – KARAMBAKUDI, 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:
IDIB000K135. - 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 Karambakudi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K135, however, work 24x7.
Verifying IFSC IDIB000K135 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 IDIB000K135 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4322-255255.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankKarambakudi Branch
14 NEYVELY MAIN ROAD KARAMBAKUDI KARAMBAKUDI PIN 622302
Karambakudi, Tamil Nadu
Phone: 4322-255255
IFSC: IDIB000K135
Frequently asked questions
How quickly will an NEFT transfer using IDIB000K135 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Karambakudi reflect within 30 minutes.
What is the phone number of Indian Bank Karambakudi branch?
You can reach the branch at 4322-255255 during regular banking hours.
How do I add Indian Bank Karambakudi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K135, 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 Karambakudi branch but serve different purposes.
Where is Indian Bank Karambakudi branch located?
Indian Bank's Karambakudi branch is located at 14 NEYVELY MAIN ROAD KARAMBAKUDI KARAMBAKUDI PIN 622302, Karambakudi, Tamil Nadu.
Is IFSC IDIB000K135 valid for NEFT and RTGS?
Yes. IFSC IDIB000K135 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000K135 belongs to Indian Bank's KARAMBAKUDI branch, located at 14 NEYVELY MAIN ROAD KARAMBAKUDI KARAMBAKUDI PIN 622302 in KARAMBAKUDI, 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.
