IFSC Code of Indian Bank, Thekkumbhagam Branch, Kerala

Below are the complete branch details for Indian Bank, THEKKUMBHAGAM branch, located in KOLLAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000T206. 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 IDIB000T206 for Indian Bank – THEKKUMBHAGAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IDIB000T206 is the IFSC of Indian Bank's THEKKUMBHAGAM branch. The format is fixed: IDIB = bank code, 0 = reserved, 00T206 = branch identifier.

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Thekkumbhagam branch in Kollam. 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, IDIB000T206.

Branch details at a glance

Thekkumbhagam branch overview

Located at ANNIKATU BUILDING MALIBAGHAM THEKKUMBHAGAM CHAVARA SOUTH KOLLAM, the Thekkumbhagam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000T206 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 THEKKUMBHAGAM branch came to be assigned the code IDIB000T206.

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 IDIB000T206, money simply cannot be routed to the THEKKUMBHAGAM branch electronically.

Products and account variants supported

Every account opened at the Thekkumbhagam branch is mapped to IFSC IDIB000T206 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 IDIB000T206.

Products and services

Customers walking into the Thekkumbhagam 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 IDIB000T206

How to transfer money using IFSC IDIB000T206

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 IDIB000T206 across all three.

NEFT to Indian Bank, THEKKUMBHAGAM using IFSC IDIB000T206

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 IDIB000T206, and confirm that the system picks up Indian Bank – THEKKUMBHAGAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THEKKUMBHAGAM

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's THEKKUMBHAGAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000T206 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank THEKKUMBHAGAM (IFSC IDIB000T206)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000T206 in your mobile or internet banking app, and the money is credited to the THEKKUMBHAGAM branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IDIB000T206 for Indian Bank – THEKKUMBHAGAM, 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.

For most retail customers crediting the Thekkumbhagam 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 IDIB000T206

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 – THEKKUMBHAGAM is still mapped to IFSC IDIB000T206. 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 IDIB000T206 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDIB000T206

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the THEKKUMBHAGAM 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 IDIB000T206 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 Thekkumbhagam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000T206 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC IDIB000T206

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 – THEKKUMBHAGAM, 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: IDIB000T206.
• 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 Thekkumbhagam branch

The branch is located at ANNIKATU BUILDING MALIBAGHAM THEKKUMBHAGAM CHAVARA SOUTH KOLLAM, which puts it inside Kollam, the broader Kollam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Thekkumbhagam branch” — the verified location pin for IFSC IDIB000T206 should appear at the top of the results.
2. Confirm the branch is open by calling 471-2578603 before stepping out, especially around public holidays.
3. 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 IDIB000T206 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000T206 for Indian Bank – THEKKUMBHAGAM, 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 Thekkumbhagam 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 IDIB000T206 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000T206 belongs to Indian Bank's THEKKUMBHAGAM branch, located at ANNIKATU BUILDING MALIBAGHAM THEKKUMBHAGAM CHAVARA SOUTH KOLLAM in KOLLAM, 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.