If you are searching for the IFSC code of Indian Bank, GOPALASAMUDRUM branch in MANARGUDI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000M132. 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 GOPALASAMUDRUM branch, and detailed step-by-step guides for using the IFSC IDIB000M132 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 GOPALASAMUDRUM branch, the IFSC IDIB000M132 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00M132 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Gopalasamudrum |
| IFSC Code | IDIB000M132 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 42 EAST ST GOPALASAMUDRAM MANARGUDI MANNARGUDI PIN 614001 |
| City | Manargudi |
| District | Thiruvarur |
| State | Tamil Nadu |
| STD Code | 4367 |
| Phone | 222202 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Gopalasamudrum branch in Manargudi. 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, IDIB000M132.
Gopalasamudrum branch overview
Located at 42 EAST ST GOPALASAMUDRAM MANARGUDI MANNARGUDI PIN 614001, the Gopalasamudrum branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000M132 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 GOPALASAMUDRUM branch came to be assigned the code IDIB000M132.
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 IDIB000M132, money simply cannot be routed to the GOPALASAMUDRUM branch electronically.
How to transfer money using IFSC IDIB000M132
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 IDIB000M132 across all three.
NEFT to Indian Bank, GOPALASAMUDRUM using IFSC IDIB000M132
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 IDIB000M132, and confirm that the system picks up Indian Bank – GOPALASAMUDRUM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GOPALASAMUDRUM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's GOPALASAMUDRUM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000M132 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 – GOPALASAMUDRUM, use IMPS. With IFSC IDIB000M132 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 IDIB000M132 for Indian Bank – GOPALASAMUDRUM, 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 – IDIB000M132 | Yes – IDIB000M132 | Yes – IDIB000M132 |
For most retail customers crediting the Gopalasamudrum 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 IDIB000M132
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 – GOPALASAMUDRUM is still mapped to IFSC IDIB000M132. 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 IDIB000M132 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Gopalasamudrum branch is mapped to IFSC IDIB000M132 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 IDIB000M132.
Banking services available
The Gopalasamudrum branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4367-222202.
- 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 IDIB000M132
MICR & cheque-truncation details
Cheques drawn on the Gopalasamudrum branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000M132 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Gopalasamudrum 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 IDIB000M132 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.
Common mistakes to avoid when using IFSC IDIB000M132
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 – GOPALASAMUDRUM, 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:
IDIB000M132. - 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.
Reaching the branch
The Gopalasamudrum branch sits at 42 EAST ST GOPALASAMUDRAM MANARGUDI MANNARGUDI PIN 614001. If you are travelling from outside Manargudi, search for the branch on a maps application using the bank name and locality, or call 4367-222202 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 IDIB000M132 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000M132 for Indian Bank – GOPALASAMUDRUM, 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 Gopalasamudrum 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 IDIB000M132 continue to work without interruption.
Branch address & contact
Indian BankGopalasamudrum Branch
42 EAST ST GOPALASAMUDRAM MANARGUDI MANNARGUDI PIN 614001
Manargudi, Tamil Nadu
Phone: 4367-222202
IFSC: IDIB000M132
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 Gopalasamudrum branch but serve different purposes.
What is the phone number of Indian Bank Gopalasamudrum branch?
You can reach the branch at 4367-222202 during regular banking hours.
Where is Indian Bank Gopalasamudrum branch located?
Indian Bank's Gopalasamudrum branch is located at 42 EAST ST GOPALASAMUDRAM MANARGUDI MANNARGUDI PIN 614001, Manargudi, Tamil Nadu.
Does Indian Bank Gopalasamudrum branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4367-222202 to confirm.
How quickly will an NEFT transfer using IDIB000M132 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Gopalasamudrum reflect within 30 minutes.
Is IFSC IDIB000M132 the same for all accounts at Gopalasamudrum branch?
Yes. The IFSC IDIB000M132 is shared by every account held at Indian Bank's Gopalasamudrum branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000M132 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000M132 to send funds instantly.
Is IFSC IDIB000M132 valid for NEFT and RTGS?
Yes. IFSC IDIB000M132 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000M132 belongs to Indian Bank's GOPALASAMUDRUM branch, located at 42 EAST ST GOPALASAMUDRAM MANARGUDI MANNARGUDI PIN 614001 in MANARGUDI, TAMIL NADU. 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.
