Below are the complete branch details for Indian Bank, NAGARAM branch, located in NAGARAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000N005. 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 IDIB000N005 for Indian Bank – NAGARAM — 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 NAGARAM branch, the IFSC IDIB000N005 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00N005 identifies this particular branch.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nagaram branch in Nagaram, Andhra Pradesh is part of this network and uses the IFSC code IDIB000N005 for all electronic settlement.
About this branch
The branch is located at REPALLE ROAD NAGARAM NAGARAM NAGARAM PIN 522268. It serves the Nagaram 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 IDIB000N005 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Nagaram |
| IFSC Code | IDIB000N005 |
| MICR Code | Refer to cheque leaf |
| Branch Address | REPALLE ROAD NAGARAM NAGARAM NAGARAM PIN 522268 |
| City | Nagaram |
| District | Guntur |
| State | Andhra Pradesh |
| STD Code | 8648 |
| Phone | 256728 |
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 NAGARAM branch came to be assigned the code IDIB000N005.
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 IDIB000N005, money simply cannot be routed to the NAGARAM branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Nagaram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000N005 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 IDIB000N005
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 IDIB000N005 across all three.
NEFT to Indian Bank, NAGARAM using IFSC IDIB000N005
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 IDIB000N005, and confirm that the system picks up Indian Bank – NAGARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000N005
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 – NAGARAM, ensure your bank's portal accepts IFSC IDIB000N005 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – NAGARAM, use IMPS. With IFSC IDIB000N005 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 Nagaram
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 IDIB000N005:
- 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 NAGARAM is still linked to IFSC IDIB000N005.
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.
UPI payments and IFSC IDIB000N005
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 – NAGARAM is still mapped to IFSC IDIB000N005. 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 IDIB000N005 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Nagaram branch is mapped to IFSC IDIB000N005 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 IDIB000N005.
Banking services available
The Nagaram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8648-256728.
- 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 IDIB000N005
Online banking and IFSC IDIB000N005
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the NAGARAM 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 IDIB000N005 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 Nagaram branch
The branch is located at REPALLE ROAD NAGARAM NAGARAM NAGARAM PIN 522268, which puts it inside Nagaram, the broader Guntur district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Nagaram branch” — the verified location pin for IFSC IDIB000N005 should appear at the top of the results.
- Confirm the branch is open by calling 8648-256728 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 IDIB000N005 and your account number.
Common mistakes to avoid when using IFSC IDIB000N005
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 – NAGARAM, 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:
IDIB000N005. - 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.
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 Nagaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000N005, however, work 24x7.
Verifying IFSC IDIB000N005 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 IDIB000N005 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8648-256728.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankNagaram Branch
REPALLE ROAD NAGARAM NAGARAM NAGARAM PIN 522268
Nagaram, Andhra Pradesh
Phone: 8648-256728
IFSC: IDIB000N005
Frequently asked questions
Is IFSC IDIB000N005 the same for all accounts at Nagaram branch?
Yes. The IFSC IDIB000N005 is shared by every account held at Indian Bank's Nagaram branch. Only the account number changes from customer to customer.
Where is Indian Bank Nagaram branch located?
Indian Bank's Nagaram branch is located at REPALLE ROAD NAGARAM NAGARAM NAGARAM PIN 522268, Nagaram, Andhra Pradesh.
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 Nagaram branch but serve different purposes.
What is the phone number of Indian Bank Nagaram branch?
You can reach the branch at 8648-256728 during regular banking hours.
How do I add Indian Bank Nagaram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000N005, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Nagaram branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8648-256728 to confirm.
Final notes
To recap: IDIB000N005 is the IFSC code of Indian Bank, NAGARAM branch, in NAGARAM, ANDHRA PRADESH. 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.
