If you are searching for the IFSC code of Indian Bank, CHAVARA branch in KOLLAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is IDIB000C186. 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 CHAVARA branch, and detailed step-by-step guides for using the IFSC IDIB000C186 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 CHAVARA branch, the IFSC IDIB000C186 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00C186 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Chavara |
| IFSC Code | IDIB000C186 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KOTTANKULANGARA KOTTANKULANGARA NEAR KOTTANKULANGARA DEVI TEMPLE CHAVARA PIN 691583 |
| City | Kollam |
| District | Kollam |
| State | Kerala |
| STD Code | 91 |
| Phone | 9446400441 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chavara branch in Kollam, Kerala is part of this network and uses the IFSC code IDIB000C186 for all electronic settlement.
About this branch
The branch is located at KOTTANKULANGARA KOTTANKULANGARA NEAR KOTTANKULANGARA DEVI TEMPLE CHAVARA PIN 691583. It serves the Kollam 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 IDIB000C186 is used to identify this branch on the RBI payments network.
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 CHAVARA branch came to be assigned the code IDIB000C186.
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 IDIB000C186, money simply cannot be routed to the CHAVARA branch electronically.
How to transfer money using IFSC IDIB000C186
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 IDIB000C186 across all three.
How to use IFSC IDIB000C186 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's CHAVARA 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 IDIB000C186.
- Confirm the bank name auto-populates as Indian Bank and the branch as CHAVARA.
- 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 CHAVARA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's CHAVARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000C186 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank CHAVARA (IFSC IDIB000C186)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000C186 in your mobile or internet banking app, and the money is credited to the CHAVARA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000C186 for Indian Bank – CHAVARA, 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 – IDIB000C186 | Yes – IDIB000C186 | Yes – IDIB000C186 |
For most retail customers crediting the Chavara 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 CHAVARA branch, the IFSC IDIB000C186 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.
Account types you can open at the Chavara branch
Once you have an account at Indian Bank – CHAVARA, the IFSC IDIB000C186 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Chavara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9446400441.
- 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 IDIB000C186
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 IDIB000C186 and the account number together uniquely identify the Chavara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IDIB000C186
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the CHAVARA 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 IDIB000C186 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 IDIB000C186
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 – CHAVARA, 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:
IDIB000C186. - 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 Chavara branch
The branch is located at KOTTANKULANGARA KOTTANKULANGARA NEAR KOTTANKULANGARA DEVI TEMPLE CHAVARA PIN 691583, which puts it inside Kollam, the broader Kollam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Chavara branch” — the verified location pin for IFSC IDIB000C186 should appear at the top of the results.
- Confirm the branch is open by calling 91-9446400441 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 IDIB000C186 and your account number.
Verifying IFSC IDIB000C186 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 IDIB000C186 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9446400441.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Chavara 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 IDIB000C186 continue to work without interruption.
Branch address & contact
Indian BankChavara Branch
KOTTANKULANGARA KOTTANKULANGARA NEAR KOTTANKULANGARA DEVI TEMPLE CHAVARA PIN 691583
Kollam, Kerala
Phone: 91-9446400441
IFSC: IDIB000C186
Frequently asked questions
Can I use IFSC IDIB000C186 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000C186 to send funds instantly.
Where is Indian Bank Chavara branch located?
Indian Bank's Chavara branch is located at KOTTANKULANGARA KOTTANKULANGARA NEAR KOTTANKULANGARA DEVI TEMPLE CHAVARA PIN 691583, Kollam, Kerala.
What is the phone number of Indian Bank Chavara branch?
You can reach the branch at 91-9446400441 during regular banking hours.
How do I add Indian Bank Chavara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000C186, 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 Chavara branch but serve different purposes.
Does Indian Bank Chavara branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9446400441 to confirm.
Is IFSC IDIB000C186 the same for all accounts at Chavara branch?
Yes. The IFSC IDIB000C186 is shared by every account held at Indian Bank's Chavara branch. Only the account number changes from customer to customer.
Final notes
To recap: IDIB000C186 is the IFSC code of Indian Bank, CHAVARA branch, in KOLLAM, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
