Below are the complete branch details for Indian Bank, PEDAPADU branch, located in PEDAPADU, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000P032. 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 IDIB000P032 for Indian Bank – PEDAPADU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – PEDAPADU is IDIB000P032. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00P032 map to this branch in PEDAPADU, ANDHRA PRADESH.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Pedapadu |
| IFSC Code | IDIB000P032 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 14135 NAIDUGUDEM ROAD PEDAPADU PEDAPADU POST PIN 534437 |
| City | Pedapadu |
| District | West Godavari |
| State | Andhra Pradesh |
| STD Code | 8812 |
| Phone | 247531 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Pedapadu branch in Pedapadu. 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, IDIB000P032.
About the Pedapadu branch
The Pedapadu branch of Indian Bank is situated at 14135 NAIDUGUDEM ROAD PEDAPADU PEDAPADU POST PIN 534437. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IDIB000P032 is used.
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 PEDAPADU of Indian Bank — its own 11-character IFSC. The code IDIB000P032 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 IDIB000P032 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 IDIB000P032
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 IDIB000P032 across all three.
NEFT to Indian Bank, PEDAPADU using IFSC IDIB000P032
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 IDIB000P032, and confirm that the system picks up Indian Bank – PEDAPADU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000P032
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 – PEDAPADU, ensure your bank's portal accepts IFSC IDIB000P032 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank PEDAPADU (IFSC IDIB000P032)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000P032 in your mobile or internet banking app, and the money is credited to the PEDAPADU branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000P032 for Indian Bank – PEDAPADU, 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 – IDIB000P032 | Yes – IDIB000P032 | Yes – IDIB000P032 |
For most retail customers crediting the Pedapadu 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 IDIB000P032
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 – PEDAPADU is still mapped to IFSC IDIB000P032. 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 IDIB000P032 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Pedapadu branch is mapped to IFSC IDIB000P032 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 IDIB000P032.
Banking services available
The Pedapadu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8812-247531.
- 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 IDIB000P032
MICR & cheque-truncation details
Cheques drawn on the Pedapadu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000P032 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Pedapadu 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 IDIB000P032 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.
Common mistakes to avoid when using IFSC IDIB000P032
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 – PEDAPADU, 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:
IDIB000P032. - 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.
Reaching the branch
The Pedapadu branch sits at 14135 NAIDUGUDEM ROAD PEDAPADU PEDAPADU POST PIN 534437. If you are travelling from outside Pedapadu, search for the branch on a maps application using the bank name and locality, or call 8812-247531 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 IDIB000P032 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000P032 for Indian Bank – PEDAPADU, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Pedapadu 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 IDIB000P032 continue to work without interruption.
Branch address & contact
Indian BankPedapadu Branch
14135 NAIDUGUDEM ROAD PEDAPADU PEDAPADU POST PIN 534437
Pedapadu, Andhra Pradesh
Phone: 8812-247531
IFSC: IDIB000P032
Frequently asked questions
How quickly will an NEFT transfer using IDIB000P032 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Pedapadu reflect within 30 minutes.
Where is Indian Bank Pedapadu branch located?
Indian Bank's Pedapadu branch is located at 14135 NAIDUGUDEM ROAD PEDAPADU PEDAPADU POST PIN 534437, Pedapadu, Andhra Pradesh.
Is IFSC IDIB000P032 the same for all accounts at Pedapadu branch?
Yes. The IFSC IDIB000P032 is shared by every account held at Indian Bank's Pedapadu branch. Only the account number changes from customer to customer.
How do I add Indian Bank Pedapadu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000P032, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Bank Pedapadu branch?
The IFSC code of Indian Bank, Pedapadu branch is IDIB000P032. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IDIB000P032 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000P032 to send funds instantly.
Summary
The IFSC code IDIB000P032 belongs to Indian Bank's PEDAPADU branch, located at 14135 NAIDUGUDEM ROAD PEDAPADU PEDAPADU POST PIN 534437 in PEDAPADU, ANDHRA PRADESH. 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.
