If you are searching for the IFSC code of Indian Bank, MUDICHUR branch in MUDICHUR CHENNAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000M274. 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 MUDICHUR branch, and detailed step-by-step guides for using the IFSC IDIB000M274 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Bank – MUDICHUR is IDIB000M274. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00M274 map to this branch in MUDICHUR CHENNAI, TAMIL NADU.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Mudichur |
| IFSC Code | IDIB000M274 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 4 MUDICHUR ROAD MUDICHURCHENNAI TAMBARAM PIN 600048 |
| City | Mudichur Chennai |
| District | Chengalpattu |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 22762776 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Mudichur branch in Mudichur Chennai. 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, IDIB000M274.
About the Mudichur branch
The Mudichur branch of Indian Bank is situated at NO 4 MUDICHUR ROAD MUDICHURCHENNAI TAMBARAM PIN 600048. 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 IDIB000M274 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 MUDICHUR branch came to be assigned the code IDIB000M274.
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 IDIB000M274, money simply cannot be routed to the MUDICHUR branch electronically.
How to transfer money using IFSC IDIB000M274
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 IDIB000M274 across all three.
How to use IFSC IDIB000M274 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's MUDICHUR 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 IDIB000M274.
- Confirm the bank name auto-populates as Indian Bank and the branch as MUDICHUR.
- 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 MUDICHUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's MUDICHUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000M274 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 – MUDICHUR, use IMPS. With IFSC IDIB000M274 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Mudichur
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IDIB000M274:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at MUDICHUR is still linked to IFSC IDIB000M274.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 MUDICHUR branch, the IFSC IDIB000M274 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.
Products and account variants supported
Every account opened at the Mudichur branch is mapped to IFSC IDIB000M274 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 IDIB000M274.
Banking services available
The Mudichur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-22762776.
- 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 IDIB000M274
MICR & cheque-truncation details
Cheques drawn on the Mudichur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000M274 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 Mudichur 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 IDIB000M274 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.
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 – MUDICHUR:
- The IFSC is exactly IDIB000M274 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 MUDICHUR 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.
How to reach the Mudichur branch
The branch is located at NO 4 MUDICHUR ROAD MUDICHURCHENNAI TAMBARAM PIN 600048, which puts it inside Mudichur Chennai, the broader Chengalpattu district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Mudichur branch” — the verified location pin for IFSC IDIB000M274 should appear at the top of the results.
- Confirm the branch is open by calling 44-22762776 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 IDIB000M274 and your account number.
Verifying IFSC IDIB000M274 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 IDIB000M274 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-22762776.
- 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 Mudichur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000M274, however, work 24x7.
Branch address & contact
Indian BankMudichur Branch
NO 4 MUDICHUR ROAD MUDICHURCHENNAI TAMBARAM PIN 600048
Mudichur Chennai, Tamil Nadu
Phone: 44-22762776
IFSC: IDIB000M274
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 Mudichur branch but serve different purposes.
How do I add Indian Bank Mudichur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000M274, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDIB000M274 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Mudichur reflect within 30 minutes.
Does Indian Bank Mudichur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-22762776 to confirm.
Is IFSC IDIB000M274 the same for all accounts at Mudichur branch?
Yes. The IFSC IDIB000M274 is shared by every account held at Indian Bank's Mudichur branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Bank Mudichur branch?
The IFSC code of Indian Bank, Mudichur branch is IDIB000M274. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IDIB000M274 belongs to Indian Bank's MUDICHUR branch, located at NO 4 MUDICHUR ROAD MUDICHURCHENNAI TAMBARAM PIN 600048 in MUDICHUR CHENNAI, 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.
