This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, KARLAM branch in KARLAM. The 11-digit IFSC IDIB000K113 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Bank at the KARLAM location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, IDIB000K113 is the IFSC of Indian Bank's KARLAM branch. The format is fixed: IDIB = bank code, 0 = reserved, 00K113 = branch identifier.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Karlam branch in Karlam. 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, IDIB000K113.
About this branch
The branch is located at 16 MAIN ROAD KARLAM VIA) CHIPURUPALLI PIN 535125. It serves the Karlam region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB000K113 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Karlam |
| IFSC Code | IDIB000K113 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 16 MAIN ROAD KARLAM VIA) CHIPURUPALLI PIN 535125 |
| City | Karlam |
| District | Vizianagaram |
| State | Andhra Pradesh |
| STD Code | 91 |
| Phone | 9490694516 |
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 KARLAM of Indian Bank — its own 11-character IFSC. The code IDIB000K113 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 IDIB000K113 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IDIB000K113 and the account number together uniquely identify the Karlam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000K113
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 IDIB000K113 across all three.
NEFT to Indian Bank, KARLAM using IFSC IDIB000K113
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 IDIB000K113, and confirm that the system picks up Indian Bank – KARLAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KARLAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KARLAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K113 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 – KARLAM, use IMPS. With IFSC IDIB000K113 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 IDIB000K113 for Indian Bank – KARLAM, 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 – IDIB000K113 | Yes – IDIB000K113 | Yes – IDIB000K113 |
For most retail customers crediting the Karlam 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 IDIB000K113
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 – KARLAM is still mapped to IFSC IDIB000K113. 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 IDIB000K113 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Karlam branch is mapped to IFSC IDIB000K113 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 IDIB000K113.
Banking services available
The Karlam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9490694516.
- 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 IDIB000K113
Digital banking channels
Most day-to-day work that customers used to do at the Karlam branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IDIB000K113 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Reaching the branch
The Karlam branch sits at 16 MAIN ROAD KARLAM VIA) CHIPURUPALLI PIN 535125. If you are travelling from outside Karlam, search for the branch on a maps application using the bank name and locality, or call 91-9490694516 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 IDIB000K113 and your account number.
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 – KARLAM:
- The IFSC is exactly IDIB000K113 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 KARLAM 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.
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 Karlam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K113, however, work 24x7.
Verifying IFSC IDIB000K113 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 IDIB000K113 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9490694516.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankKarlam Branch
16 MAIN ROAD KARLAM VIA) CHIPURUPALLI PIN 535125
Karlam, Andhra Pradesh
Phone: 91-9490694516
IFSC: IDIB000K113
Frequently asked questions
How do I add Indian Bank Karlam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K113, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Bank Karlam branch?
You can reach the branch at 91-9490694516 during regular banking hours.
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 Karlam branch but serve different purposes.
Does Indian Bank Karlam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9490694516 to confirm.
Is IFSC IDIB000K113 valid for NEFT and RTGS?
Yes. IFSC IDIB000K113 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IDIB000K113 the same for all accounts at Karlam branch?
Yes. The IFSC IDIB000K113 is shared by every account held at Indian Bank's Karlam branch. Only the account number changes from customer to customer.
Where is Indian Bank Karlam branch located?
Indian Bank's Karlam branch is located at 16 MAIN ROAD KARLAM VIA) CHIPURUPALLI PIN 535125, Karlam, Andhra Pradesh.
Can I use IFSC IDIB000K113 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K113 to send funds instantly.
Summary
The IFSC code IDIB000K113 belongs to Indian Bank's KARLAM branch, located at 16 MAIN ROAD KARLAM VIA) CHIPURUPALLI PIN 535125 in KARLAM, ANDHRA PRADESH. 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.
