If you are searching for the IFSC code of Indian Bank, NEMILI branch in NEMILI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000N020. 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 NEMILI branch, and detailed step-by-step guides for using the IFSC IDIB000N020 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 – NEMILI is IDIB000N020. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00N020 map to this branch in NEMILI, TAMIL NADU.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Nemili branch in Nemili. 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, IDIB000N020.
About this branch
The branch is located at 11A ARAKKONAM ROAD STREET NEMILI NEMILI PIN 631051. It serves the Nemili 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 IDIB000N020 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Nemili |
| IFSC Code | IDIB000N020 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 11A ARAKKONAM ROAD STREET NEMILI NEMILI PIN 631051 |
| City | Nemili |
| District | Ranipet |
| State | Tamil Nadu |
| STD Code | 4177 |
| Phone | 247224 |
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 NEMILI branch came to be assigned the code IDIB000N020.
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 IDIB000N020, money simply cannot be routed to the NEMILI branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDIB000N020 and the account number together uniquely identify the Nemili branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000N020
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 IDIB000N020 across all three.
How to use IFSC IDIB000N020 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's NEMILI 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 IDIB000N020.
- Confirm the bank name auto-populates as Indian Bank and the branch as NEMILI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000N020
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 – NEMILI, ensure your bank's portal accepts IFSC IDIB000N020 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank NEMILI (IFSC IDIB000N020)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000N020 in your mobile or internet banking app, and the money is credited to the NEMILI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000N020 for Indian Bank – NEMILI, 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 – IDIB000N020 | Yes – IDIB000N020 | Yes – IDIB000N020 |
For most retail customers crediting the Nemili 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 IDIB000N020
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 – NEMILI is still mapped to IFSC IDIB000N020. 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 IDIB000N020 and the beneficiary's account number to complete the transfer.
Account types you can open at the Nemili branch
Once you have an account at Indian Bank – NEMILI, the IFSC IDIB000N020 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.
Banking services available
The Nemili branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4177-247224.
- 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 IDIB000N020
Digital banking channels
Most day-to-day work that customers used to do at the Nemili 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 IDIB000N020 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.
How to reach the Nemili branch
The branch is located at 11A ARAKKONAM ROAD STREET NEMILI NEMILI PIN 631051, which puts it inside Nemili, the broader Ranipet district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Nemili branch” — the verified location pin for IFSC IDIB000N020 should appear at the top of the results.
- Confirm the branch is open by calling 4177-247224 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 IDIB000N020 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 – NEMILI:
- The IFSC is exactly IDIB000N020 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 NEMILI 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 Nemili 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 IDIB000N020 continue to work without interruption.
Verifying IFSC IDIB000N020 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 IDIB000N020 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4177-247224.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankNemili Branch
11A ARAKKONAM ROAD STREET NEMILI NEMILI PIN 631051
Nemili, Tamil Nadu
Phone: 4177-247224
IFSC: IDIB000N020
Frequently asked questions
Where is Indian Bank Nemili branch located?
Indian Bank's Nemili branch is located at 11A ARAKKONAM ROAD STREET NEMILI NEMILI PIN 631051, Nemili, Tamil Nadu.
Can I use IFSC IDIB000N020 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000N020 to send funds instantly.
How do I add Indian Bank Nemili as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000N020, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDIB000N020 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Nemili reflect within 30 minutes.
What is the IFSC code of Indian Bank Nemili branch?
The IFSC code of Indian Bank, Nemili branch is IDIB000N020. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000N020 valid for NEFT and RTGS?
Yes. IFSC IDIB000N020 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000N020 belongs to Indian Bank's NEMILI branch, located at 11A ARAKKONAM ROAD STREET NEMILI NEMILI PIN 631051 in NEMILI, 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.
