Below are the complete branch details for Indian Bank, KUDAL branch, located in KUDAL, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000K358. 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 IDIB000K358 for Indian Bank – KUDAL — 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, IDIB000K358 is the IFSC of Indian Bank's KUDAL branch. The format is fixed: IDIB = bank code, 0 = reserved, 00K358 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kudal |
| IFSC Code | IDIB000K358 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 19,30,31,ASHIRVAD AVENUE,NEAR POST OFFICE,OPP. GOVT RURAL HOSPITAL KUDAL SAWANTWADI ROAD,DIST-SINDHUDURG,PIN-416520 |
| City | Kudal |
| District | Sindhudurg |
| State | Maharashtra |
| Phone | 8446333988 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Kudal branch in Kudal. 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, IDIB000K358.
About the Kudal branch
The Kudal branch of Indian Bank is situated at SHOP NO 19,30,31,ASHIRVAD AVENUE,NEAR POST OFFICE,OPP. GOVT RURAL HOSPITAL KUDAL SAWANTWADI ROAD,DIST-SINDHUDURG,PIN-416520. 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 IDIB000K358 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 KUDAL branch came to be assigned the code IDIB000K358.
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 IDIB000K358, money simply cannot be routed to the KUDAL branch electronically.
How to transfer money using IFSC IDIB000K358
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 IDIB000K358 across all three.
NEFT to Indian Bank, KUDAL using IFSC IDIB000K358
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 IDIB000K358, and confirm that the system picks up Indian Bank – KUDAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KUDAL
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KUDAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K358 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank KUDAL (IFSC IDIB000K358)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K358 in your mobile or internet banking app, and the money is credited to the KUDAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K358 for Indian Bank – KUDAL, 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 – IDIB000K358 | Yes – IDIB000K358 | Yes – IDIB000K358 |
For most retail customers crediting the Kudal 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 IDIB000K358
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 – KUDAL is still mapped to IFSC IDIB000K358. 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 IDIB000K358 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kudal branch
Once you have an account at Indian Bank – KUDAL, the IFSC IDIB000K358 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.
Products and services
Customers walking into the Kudal 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 IDIB000K358
MICR & cheque-truncation details
Cheques drawn on the Kudal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K358 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IDIB000K358
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KUDAL 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 IDIB000K358 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 IDIB000K358
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 – KUDAL, 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:
IDIB000K358. - 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 Kudal branch
The branch is located at SHOP NO 19,30,31,ASHIRVAD AVENUE,NEAR POST OFFICE,OPP. GOVT RURAL HOSPITAL KUDAL SAWANTWADI ROAD,DIST-SINDHUDURG,PIN-416520, which puts it inside Kudal, the broader Sindhudurg district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Kudal branch” — the verified location pin for IFSC IDIB000K358 should appear at the top of the results.
- Confirm the branch is open by calling 8446333988 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 IDIB000K358 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000K358 for Indian Bank – KUDAL, 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.
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 Kudal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K358, however, work 24x7.
Branch address & contact
Indian BankKudal Branch
SHOP NO 19,30,31,ASHIRVAD AVENUE,NEAR POST OFFICE,OPP. GOVT RURAL HOSPITAL KUDAL SAWANTWADI ROAD,DIST-SINDHUDURG,PIN-416520
Kudal, Maharashtra
Phone: 8446333988
IFSC: IDIB000K358
Frequently asked questions
How do I add Indian Bank Kudal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K358, 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 Kudal branch but serve different purposes.
How quickly will an NEFT transfer using IDIB000K358 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Kudal reflect within 30 minutes.
What is the IFSC code of Indian Bank Kudal branch?
The IFSC code of Indian Bank, Kudal branch is IDIB000K358. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000K358 the same for all accounts at Kudal branch?
Yes. The IFSC IDIB000K358 is shared by every account held at Indian Bank's Kudal branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Kudal branch?
You can reach the branch at 8446333988 during regular banking hours.
Is IFSC IDIB000K358 valid for NEFT and RTGS?
Yes. IFSC IDIB000K358 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IDIB000K358 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K358 to send funds instantly.
Summary
The IFSC code IDIB000K358 belongs to Indian Bank's KUDAL branch, located at SHOP NO 19,30,31,ASHIRVAD AVENUE,NEAR POST OFFICE,OPP. GOVT RURAL HOSPITAL… in KUDAL, MAHARASHTRA. 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.
