Use this page as a one-stop reference for everything related to Indian Bank's NADUVATTAM branch in NADUVATTAM, TAMIL NADU. The branch's IFSC code IDIB000N003 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, IDIB000N003 is the IFSC of Indian Bank's NADUVATTAM branch. The format is fixed: IDIB = bank code, 0 = reserved, 00N003 = branch identifier.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Naduvattam branch in Naduvattam. 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, IDIB000N003.
About this branch
The branch is located at 16/139 OOTY MYSORE ROAD NADUVATTAM NADUVATTAM NADUVATTAM PIN 643224. It serves the Naduvattam 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 IDIB000N003 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Naduvattam |
| IFSC Code | IDIB000N003 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 16/139 OOTY MYSORE ROAD NADUVATTAM NADUVATTAM NADUVATTAM PIN 643224 |
| City | Naduvattam |
| District | Nilgiris |
| State | Tamil Nadu |
| STD Code | 91 |
| Phone | 9791521959 |
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 NADUVATTAM of Indian Bank — its own 11-character IFSC. The code IDIB000N003 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 IDIB000N003 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Naduvattam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000N003 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IDIB000N003
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 IDIB000N003 across all three.
How to use IFSC IDIB000N003 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's NADUVATTAM 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 IDIB000N003.
- Confirm the bank name auto-populates as Indian Bank and the branch as NADUVATTAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000N003
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 – NADUVATTAM, ensure your bank's portal accepts IFSC IDIB000N003 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – NADUVATTAM, use IMPS. With IFSC IDIB000N003 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 Naduvattam
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 IDIB000N003:
- 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 NADUVATTAM is still linked to IFSC IDIB000N003.
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 NADUVATTAM branch, the IFSC IDIB000N003 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.
Account types you can open at the Naduvattam branch
Once you have an account at Indian Bank – NADUVATTAM, the IFSC IDIB000N003 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 Naduvattam 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 IDIB000N003
Online banking and IFSC IDIB000N003
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the NADUVATTAM 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 IDIB000N003 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.
How to reach the Naduvattam branch
The branch is located at 16/139 OOTY MYSORE ROAD NADUVATTAM NADUVATTAM NADUVATTAM PIN 643224, which puts it inside Naduvattam, the broader Nilgiris district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Naduvattam branch” — the verified location pin for IFSC IDIB000N003 should appear at the top of the results.
- Confirm the branch is open by calling 91-9791521959 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 IDIB000N003 and your account number.
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 – NADUVATTAM:
- The IFSC is exactly IDIB000N003 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 NADUVATTAM 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.
Working hours
Branch counters at Naduvattam 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 IDIB000N003 continue to work without interruption.
Verifying IFSC IDIB000N003 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 IDIB000N003 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9791521959.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankNaduvattam Branch
16/139 OOTY MYSORE ROAD NADUVATTAM NADUVATTAM NADUVATTAM PIN 643224
Naduvattam, Tamil Nadu
Phone: 91-9791521959
IFSC: IDIB000N003
Frequently asked questions
Where is Indian Bank Naduvattam branch located?
Indian Bank's Naduvattam branch is located at 16/139 OOTY MYSORE ROAD NADUVATTAM NADUVATTAM NADUVATTAM PIN 643224, Naduvattam, Tamil Nadu.
How quickly will an NEFT transfer using IDIB000N003 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Naduvattam reflect within 30 minutes.
Can I use IFSC IDIB000N003 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000N003 to send funds instantly.
Does Indian Bank Naduvattam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9791521959 to confirm.
Is IFSC IDIB000N003 the same for all accounts at Naduvattam branch?
Yes. The IFSC IDIB000N003 is shared by every account held at Indian Bank's Naduvattam branch. Only the account number changes from customer to customer.
Is IFSC IDIB000N003 valid for NEFT and RTGS?
Yes. IFSC IDIB000N003 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Bank Naduvattam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000N003, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Bank Naduvattam branch?
The IFSC code of Indian Bank, Naduvattam branch is IDIB000N003. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: IDIB000N003 is the IFSC code of Indian Bank, NADUVATTAM branch, in NADUVATTAM, TAMIL NADU. 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.
