Below are the complete branch details for Indian Bank, KOTHAGUDA branch, located in MAHABUBABAD, TELANGANA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000K084. 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 IDIB000K084 for Indian Bank – KOTHAGUDA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KOTHAGUDA branch, the IFSC IDIB000K084 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00K084 identifies this particular branch.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Kothaguda branch in Mahabubabad. 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, IDIB000K084.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kothaguda |
| IFSC Code | IDIB000K084 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAIN ROAD KOTHAGUDA VIA NARSAMPET KOTHAGUDA POST PIN 506135 |
| City | Mahabubabad |
| District | Mahabubabad |
| State | Telangana |
| STD Code | 8718 |
| Phone | 250305 |
Kothaguda branch overview
Located at MAIN ROAD KOTHAGUDA VIA NARSAMPET KOTHAGUDA POST PIN 506135, the Kothaguda branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000K084 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 KOTHAGUDA branch came to be assigned the code IDIB000K084.
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 IDIB000K084, money simply cannot be routed to the KOTHAGUDA branch electronically.
Account types you can open at the Kothaguda branch
Once you have an account at Indian Bank – KOTHAGUDA, the IFSC IDIB000K084 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 Kothaguda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8718-250305.
- 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 IDIB000K084
How to transfer money using IFSC IDIB000K084
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 IDIB000K084 across all three.
NEFT to Indian Bank, KOTHAGUDA using IFSC IDIB000K084
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 IDIB000K084, and confirm that the system picks up Indian Bank – KOTHAGUDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOTHAGUDA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KOTHAGUDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K084 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank KOTHAGUDA (IFSC IDIB000K084)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K084 in your mobile or internet banking app, and the money is credited to the KOTHAGUDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K084 for Indian Bank – KOTHAGUDA, 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 – IDIB000K084 | Yes – IDIB000K084 | Yes – IDIB000K084 |
For most retail customers crediting the Kothaguda 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 IDIB000K084
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 – KOTHAGUDA is still mapped to IFSC IDIB000K084. 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 IDIB000K084 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IDIB000K084
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KOTHAGUDA 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 IDIB000K084 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 Kothaguda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K084 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – KOTHAGUDA:
- The IFSC is exactly IDIB000K084 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 KOTHAGUDA 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 Kothaguda branch sits at MAIN ROAD KOTHAGUDA VIA NARSAMPET KOTHAGUDA POST PIN 506135. If you are travelling from outside Mahabubabad, search for the branch on a maps application using the bank name and locality, or call 8718-250305 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 IDIB000K084 and your account number.
Verifying IFSC IDIB000K084 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 IDIB000K084 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8718-250305.
- 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 Kothaguda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K084, however, work 24x7.
Branch address & contact
Indian BankKothaguda Branch
MAIN ROAD KOTHAGUDA VIA NARSAMPET KOTHAGUDA POST PIN 506135
Mahabubabad, Telangana
Phone: 8718-250305
IFSC: IDIB000K084
Frequently asked questions
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 Kothaguda branch but serve different purposes.
How do I add Indian Bank Kothaguda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000K084, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Bank Kothaguda branch?
The IFSC code of Indian Bank, Kothaguda branch is IDIB000K084. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000K084 the same for all accounts at Kothaguda branch?
Yes. The IFSC IDIB000K084 is shared by every account held at Indian Bank's Kothaguda branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000K084 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K084 to send funds instantly.
What is the phone number of Indian Bank Kothaguda branch?
You can reach the branch at 8718-250305 during regular banking hours.
How quickly will an NEFT transfer using IDIB000K084 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Kothaguda reflect within 30 minutes.
Is IFSC IDIB000K084 valid for NEFT and RTGS?
Yes. IFSC IDIB000K084 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IDIB000K084 is the IFSC code of Indian Bank, KOTHAGUDA branch, in MAHABUBABAD, TELANGANA. 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.
