This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, IRANIWADI branch in MUMBAI. The 11-digit IFSC IDIB000I018 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Bank at the IRANIWADI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, IDIB000I018 is the IFSC of Indian Bank's IRANIWADI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00I018 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Iraniwadi |
| IFSC Code | IDIB000I018 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 2 8 GR FLOOR FOGLA HOUSEHEMU KALANI ROAD NO2 IRANIWADI NO 2 KANDIVALI WEST PIN 400067 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 28020506 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Iraniwadi branch in Mumbai, Maharashtra is part of this network and uses the IFSC code IDIB000I018 for all electronic settlement.
About this branch
The branch is located at SHOP NO 2 8 GR FLOOR FOGLA HOUSEHEMU KALANI ROAD NO2 IRANIWADI NO 2 KANDIVALI WEST PIN 400067. It serves the Mumbai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB000I018 is used to identify this branch on the RBI payments network.
Why every Indian Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including IRANIWADI of Indian Bank — its own 11-character IFSC. The code IDIB000I018 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IDIB000I018 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDIB000I018
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 IDIB000I018 across all three.
NEFT to Indian Bank, IRANIWADI using IFSC IDIB000I018
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 IDIB000I018, and confirm that the system picks up Indian Bank – IRANIWADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000I018
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Bank – IRANIWADI, ensure your bank's portal accepts IFSC IDIB000I018 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – IRANIWADI, use IMPS. With IFSC IDIB000I018 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 IDIB000I018 for Indian Bank – IRANIWADI, 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 – IDIB000I018 | Yes – IDIB000I018 | Yes – IDIB000I018 |
For most retail customers crediting the Iraniwadi 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 IDIB000I018
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 – IRANIWADI is still mapped to IFSC IDIB000I018. 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 IDIB000I018 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Iraniwadi branch is mapped to IFSC IDIB000I018 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 IDIB000I018.
Banking services available
The Iraniwadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-28020506.
- 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 IDIB000I018
MICR & cheque-truncation details
Cheques drawn on the Iraniwadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000I018 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IDIB000I018
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the IRANIWADI 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 IDIB000I018 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.
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 – IRANIWADI:
- The IFSC is exactly IDIB000I018 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 IRANIWADI 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 Iraniwadi branch sits at SHOP NO 2 8 GR FLOOR FOGLA HOUSEHEMU KALANI ROAD NO2 IRANIWADI NO 2 KANDIVALI WEST PIN 400067. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-28020506 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 IDIB000I018 and your account number.
Verifying IFSC IDIB000I018 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 IDIB000I018 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-28020506.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Iraniwadi 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 IDIB000I018 continue to work without interruption.
Branch address & contact
Indian BankIraniwadi Branch
SHOP NO 2 8 GR FLOOR FOGLA HOUSEHEMU KALANI ROAD NO2 IRANIWADI NO 2 KANDIVALI WEST PIN 400067
Mumbai, Maharashtra
Phone: 22-28020506
IFSC: IDIB000I018
Frequently asked questions
How quickly will an NEFT transfer using IDIB000I018 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Iraniwadi reflect within 30 minutes.
How do I add Indian Bank Iraniwadi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000I018, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Bank Iraniwadi branch located?
Indian Bank's Iraniwadi branch is located at SHOP NO 2 8 GR FLOOR FOGLA HOUSEHEMU KALANI ROAD NO2 IRANIWADI NO 2 KANDIVALI WEST PIN 400067, Mumbai, Maharashtra.
What is the phone number of Indian Bank Iraniwadi branch?
You can reach the branch at 22-28020506 during regular banking hours.
Is IFSC IDIB000I018 valid for NEFT and RTGS?
Yes. IFSC IDIB000I018 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Bank Iraniwadi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-28020506 to confirm.
Summary
The IFSC code IDIB000I018 belongs to Indian Bank's IRANIWADI branch, located at SHOP NO 2 8 GR FLOOR FOGLA HOUSEHEMU KALANI ROAD NO2 IRANIWADI NO 2 KANDIVALI… in MUMBAI, 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.
