If you are searching for the IFSC code of Indian Bank, PADAPPAI branch in PADAPPAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000P160. 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 PADAPPAI branch, and detailed step-by-step guides for using the IFSC IDIB000P160 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 – PADAPPAI is IDIB000P160. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00P160 map to this branch in PADAPPAI, TAMIL NADU.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Padappai |
| IFSC Code | IDIB000P160 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 9 AND 10 MAIN ROAD HAJEEYAR NAGAR PADAPPAI PADAPPAI PIN 601301 |
| City | Padappai |
| District | Kancheepuram |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 27175006 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Padappai branch — IFSC IDIB000P160 — extends the bank's services to customers in and around Padappai, Tamil Nadu.
About this branch
The branch is located at 9 AND 10 MAIN ROAD HAJEEYAR NAGAR PADAPPAI PADAPPAI PIN 601301. It serves the Padappai 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 IDIB000P160 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 PADAPPAI of Indian Bank — its own 11-character IFSC. The code IDIB000P160 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 IDIB000P160 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 IDIB000P160
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 IDIB000P160 across all three.
How to use IFSC IDIB000P160 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's PADAPPAI 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 IDIB000P160.
- Confirm the bank name auto-populates as Indian Bank and the branch as PADAPPAI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000P160
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 – PADAPPAI, ensure your bank's portal accepts IFSC IDIB000P160 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank PADAPPAI (IFSC IDIB000P160)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000P160 in your mobile or internet banking app, and the money is credited to the PADAPPAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000P160 for Indian Bank – PADAPPAI, 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 – IDIB000P160 | Yes – IDIB000P160 | Yes – IDIB000P160 |
For most retail customers crediting the Padappai 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 IDIB000P160
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 – PADAPPAI is still mapped to IFSC IDIB000P160. 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 IDIB000P160 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Padappai branch is mapped to IFSC IDIB000P160 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 IDIB000P160.
Products and services
Customers walking into the Padappai 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 IDIB000P160
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 IDIB000P160 and the account number together uniquely identify the Padappai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IDIB000P160
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the PADAPPAI 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 IDIB000P160 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 – PADAPPAI:
- The IFSC is exactly IDIB000P160 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 PADAPPAI 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 Padappai branch sits at 9 AND 10 MAIN ROAD HAJEEYAR NAGAR PADAPPAI PADAPPAI PIN 601301. If you are travelling from outside Padappai, search for the branch on a maps application using the bank name and locality, or call 44-27175006 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 IDIB000P160 and your account number.
Verifying IFSC IDIB000P160 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 IDIB000P160 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-27175006.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Padappai 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 IDIB000P160 continue to work without interruption.
Branch address & contact
Indian BankPadappai Branch
9 AND 10 MAIN ROAD HAJEEYAR NAGAR PADAPPAI PADAPPAI PIN 601301
Padappai, Tamil Nadu
Phone: 44-27175006
IFSC: IDIB000P160
Frequently asked questions
How quickly will an NEFT transfer using IDIB000P160 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Padappai reflect within 30 minutes.
Is IFSC IDIB000P160 the same for all accounts at Padappai branch?
Yes. The IFSC IDIB000P160 is shared by every account held at Indian Bank's Padappai branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000P160 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000P160 to send funds instantly.
Does Indian Bank Padappai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-27175006 to confirm.
How do I add Indian Bank Padappai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000P160, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Bank Padappai branch?
The IFSC code of Indian Bank, Padappai branch is IDIB000P160. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Bank Padappai branch?
You can reach the branch at 44-27175006 during regular banking hours.
Is IFSC IDIB000P160 valid for NEFT and RTGS?
Yes. IFSC IDIB000P160 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000P160 belongs to Indian Bank's PADAPPAI branch, located at 9 AND 10 MAIN ROAD HAJEEYAR NAGAR PADAPPAI PADAPPAI PIN 601301 in PADAPPAI, 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.
