If you are searching for the IFSC code of Indian Bank, VAVVAKKAVU branch in KOLLAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is IDIB000V048. 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 VAVVAKKAVU branch, and detailed step-by-step guides for using the IFSC IDIB000V048 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 VAVVAKKAVU branch, the IFSC IDIB000V048 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00V048 identifies this particular branch.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Vavvakkavu 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, IDIB000V048.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Vavvakkavu |
| IFSC Code | IDIB000V048 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ARUKALICKAL ARCADEOP/XIII/715 VAVVAKKAVU KOLLAM VAVVAKKAVU PIN 690528 |
| City | Kollam |
| District | Kollam |
| State | Kerala |
| STD Code | 91 |
| Phone | 9446003872 |
About the Vavvakkavu branch
The Vavvakkavu branch of Indian Bank is situated at ARUKALICKAL ARCADEOP/XIII/715 VAVVAKKAVU KOLLAM VAVVAKKAVU PIN 690528. 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 IDIB000V048 is used.
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 VAVVAKKAVU branch came to be assigned the code IDIB000V048.
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 IDIB000V048, money simply cannot be routed to the VAVVAKKAVU branch electronically.
Account types you can open at the Vavvakkavu branch
Once you have an account at Indian Bank – VAVVAKKAVU, the IFSC IDIB000V048 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 Vavvakkavu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9446003872.
- 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 IDIB000V048
How to transfer money using IFSC IDIB000V048
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 IDIB000V048 across all three.
How to use IFSC IDIB000V048 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's VAVVAKKAVU 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 IDIB000V048.
- Confirm the bank name auto-populates as Indian Bank and the branch as VAVVAKKAVU.
- 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 VAVVAKKAVU
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's VAVVAKKAVU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000V048 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 – VAVVAKKAVU, use IMPS. With IFSC IDIB000V048 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 IDIB000V048 for Indian Bank – VAVVAKKAVU, 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 – IDIB000V048 | Yes – IDIB000V048 | Yes – IDIB000V048 |
For most retail customers crediting the Vavvakkavu 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 VAVVAKKAVU branch, the IFSC IDIB000V048 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.
Digital banking channels
Most day-to-day work that customers used to do at the Vavvakkavu 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 IDIB000V048 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.
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 IDIB000V048 and the account number together uniquely identify the Vavvakkavu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – VAVVAKKAVU:
- The IFSC is exactly IDIB000V048 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 VAVVAKKAVU 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.
Reaching the branch
The Vavvakkavu branch sits at ARUKALICKAL ARCADEOP/XIII/715 VAVVAKKAVU KOLLAM VAVVAKKAVU PIN 690528. If you are travelling from outside Kollam, search for the branch on a maps application using the bank name and locality, or call 91-9446003872 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 IDIB000V048 and your account number.
Verifying IFSC IDIB000V048 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 IDIB000V048 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9446003872.
- 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 Vavvakkavu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000V048, however, work 24x7.
Branch address & contact
Indian BankVavvakkavu Branch
ARUKALICKAL ARCADEOP/XIII/715 VAVVAKKAVU KOLLAM VAVVAKKAVU PIN 690528
Kollam, Kerala
Phone: 91-9446003872
IFSC: IDIB000V048
Frequently asked questions
How do I add Indian Bank Vavvakkavu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000V048, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IDIB000V048 valid for NEFT and RTGS?
Yes. IFSC IDIB000V048 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Bank Vavvakkavu branch?
The IFSC code of Indian Bank, Vavvakkavu branch is IDIB000V048. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Vavvakkavu branch located?
Indian Bank's Vavvakkavu branch is located at ARUKALICKAL ARCADEOP/XIII/715 VAVVAKKAVU KOLLAM VAVVAKKAVU PIN 690528, Kollam, Kerala.
How quickly will an NEFT transfer using IDIB000V048 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Vavvakkavu reflect within 30 minutes.
Can I use IFSC IDIB000V048 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000V048 to send funds instantly.
Is IFSC IDIB000V048 the same for all accounts at Vavvakkavu branch?
Yes. The IFSC IDIB000V048 is shared by every account held at Indian Bank's Vavvakkavu branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Vavvakkavu branch?
You can reach the branch at 91-9446003872 during regular banking hours.
Final notes
To recap: IDIB000V048 is the IFSC code of Indian Bank, VAVVAKKAVU 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.
