If you are searching for the IFSC code of Indian Bank, PAVITHRAM branch in PAVITHRAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000P246. 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 PAVITHRAM branch, and detailed step-by-step guides for using the IFSC IDIB000P246 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 – PAVITHRAM is IDIB000P246. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00P246 map to this branch in PAVITHRAM, TAMIL NADU.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pavithram branch in Pavithram, Tamil Nadu is part of this network and uses the IFSC code IDIB000P246 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Pavithram |
| IFSC Code | IDIB000P246 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 3/630 NAVALADIPATTI ROAD PAVITHRAM SENDAMANGALAM TK PIN 637021 |
| City | Pavithram |
| District | Namakkal |
| State | Tamil Nadu |
| STD Code | 4286 |
| Phone | 264263 |
Pavithram branch overview
Located at 3/630 NAVALADIPATTI ROAD PAVITHRAM SENDAMANGALAM TK PIN 637021, the Pavithram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000P246 is required for all interbank electronic transfers routed through this branch.
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 PAVITHRAM branch came to be assigned the code IDIB000P246.
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 IDIB000P246, money simply cannot be routed to the PAVITHRAM branch electronically.
Products and account variants supported
Every account opened at the Pavithram branch is mapped to IFSC IDIB000P246 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 IDIB000P246.
Banking services available
The Pavithram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4286-264263.
- 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 IDIB000P246
How to transfer money using IFSC IDIB000P246
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 IDIB000P246 across all three.
NEFT to Indian Bank, PAVITHRAM using IFSC IDIB000P246
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 IDIB000P246, and confirm that the system picks up Indian Bank – PAVITHRAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PAVITHRAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's PAVITHRAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000P246 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank PAVITHRAM (IFSC IDIB000P246)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000P246 in your mobile or internet banking app, and the money is credited to the PAVITHRAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000P246 for Indian Bank – PAVITHRAM, 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 – IDIB000P246 | Yes – IDIB000P246 | Yes – IDIB000P246 |
For most retail customers crediting the Pavithram 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 IDIB000P246
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 – PAVITHRAM is still mapped to IFSC IDIB000P246. 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 IDIB000P246 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Pavithram 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 IDIB000P246 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.
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 IDIB000P246 and the account number together uniquely identify the Pavithram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IDIB000P246
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 – PAVITHRAM, 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:
IDIB000P246. - 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.
How to reach the Pavithram branch
The branch is located at 3/630 NAVALADIPATTI ROAD PAVITHRAM SENDAMANGALAM TK PIN 637021, which puts it inside Pavithram, the broader Namakkal district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Pavithram branch” — the verified location pin for IFSC IDIB000P246 should appear at the top of the results.
- Confirm the branch is open by calling 4286-264263 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 IDIB000P246 and your account number.
Verifying IFSC IDIB000P246 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 IDIB000P246 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4286-264263.
- Visiting the bank's official branch locator page.
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 Pavithram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000P246, however, work 24x7.
Branch address & contact
Indian BankPavithram Branch
3/630 NAVALADIPATTI ROAD PAVITHRAM SENDAMANGALAM TK PIN 637021
Pavithram, Tamil Nadu
Phone: 4286-264263
IFSC: IDIB000P246
Frequently asked questions
Is IFSC IDIB000P246 the same for all accounts at Pavithram branch?
Yes. The IFSC IDIB000P246 is shared by every account held at Indian Bank's Pavithram branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Bank Pavithram branch?
The IFSC code of Indian Bank, Pavithram branch is IDIB000P246. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IDIB000P246 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000P246 to send funds instantly.
How quickly will an NEFT transfer using IDIB000P246 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Pavithram reflect within 30 minutes.
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 Pavithram branch but serve different purposes.
How do I add Indian Bank Pavithram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000P246, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Bank Pavithram branch located?
Indian Bank's Pavithram branch is located at 3/630 NAVALADIPATTI ROAD PAVITHRAM SENDAMANGALAM TK PIN 637021, Pavithram, Tamil Nadu.
Is IFSC IDIB000P246 valid for NEFT and RTGS?
Yes. IFSC IDIB000P246 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IDIB000P246 is the IFSC code of Indian Bank, PAVITHRAM branch, in PAVITHRAM, 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.
