Use this page as a one-stop reference for everything related to Indian Bank's PENNAGARAM branch in PENNAGARAM, TAMIL NADU. The branch's IFSC code IDIB000P076 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IDIB000P076 is the IFSC of Indian Bank's PENNAGARAM branch. The format is fixed: IDIB = bank code, 0 = reserved, 00P076 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Pennagaram |
| IFSC Code | IDIB000P076 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KAVERI ROAD SANTHAI THOPPU PENNAGARAM PENNAGARAM PENNAGARAM PIN 636810 |
| City | Pennagaram |
| District | Dharmapuri |
| State | Tamil Nadu |
| STD Code | 4342 |
| Phone | 255661 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pennagaram branch in Pennagaram, Tamil Nadu is part of this network and uses the IFSC code IDIB000P076 for all electronic settlement.
Pennagaram branch overview
Located at KAVERI ROAD SANTHAI THOPPU PENNAGARAM PENNAGARAM PENNAGARAM PIN 636810, the Pennagaram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000P076 is required for all interbank electronic transfers routed through this branch.
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 PENNAGARAM of Indian Bank — its own 11-character IFSC. The code IDIB000P076 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 IDIB000P076 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 IDIB000P076
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 IDIB000P076 across all three.
NEFT to Indian Bank, PENNAGARAM using IFSC IDIB000P076
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 IDIB000P076, and confirm that the system picks up Indian Bank – PENNAGARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PENNAGARAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's PENNAGARAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000P076 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – PENNAGARAM, use IMPS. With IFSC IDIB000P076 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000P076 for Indian Bank – PENNAGARAM, 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 – IDIB000P076 | Yes – IDIB000P076 | Yes – IDIB000P076 |
For most retail customers crediting the Pennagaram 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 IDIB000P076
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 – PENNAGARAM is still mapped to IFSC IDIB000P076. 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 IDIB000P076 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Pennagaram branch is mapped to IFSC IDIB000P076 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 IDIB000P076.
Products and services
Customers walking into the Pennagaram 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 IDIB000P076
MICR & cheque-truncation details
Cheques drawn on the Pennagaram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000P076 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IDIB000P076
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the PENNAGARAM 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 IDIB000P076 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 – PENNAGARAM:
- The IFSC is exactly IDIB000P076 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 PENNAGARAM 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 Pennagaram branch sits at KAVERI ROAD SANTHAI THOPPU PENNAGARAM PENNAGARAM PENNAGARAM PIN 636810. If you are travelling from outside Pennagaram, search for the branch on a maps application using the bank name and locality, or call 4342-255661 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 IDIB000P076 and your account number.
Verifying IFSC IDIB000P076 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 IDIB000P076 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4342-255661.
- 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 Pennagaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000P076, however, work 24x7.
Branch address & contact
Indian BankPennagaram Branch
KAVERI ROAD SANTHAI THOPPU PENNAGARAM PENNAGARAM PENNAGARAM PIN 636810
Pennagaram, Tamil Nadu
Phone: 4342-255661
IFSC: IDIB000P076
Frequently asked questions
How do I add Indian Bank Pennagaram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000P076, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Pennagaram branch but serve different purposes.
What is the phone number of Indian Bank Pennagaram branch?
You can reach the branch at 4342-255661 during regular banking hours.
How quickly will an NEFT transfer using IDIB000P076 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Pennagaram reflect within 30 minutes.
Is IFSC IDIB000P076 valid for NEFT and RTGS?
Yes. IFSC IDIB000P076 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IDIB000P076 the same for all accounts at Pennagaram branch?
Yes. The IFSC IDIB000P076 is shared by every account held at Indian Bank's Pennagaram branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000P076 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000P076 to send funds instantly.
Summary
The IFSC code IDIB000P076 belongs to Indian Bank's PENNAGARAM branch, located at KAVERI ROAD SANTHAI THOPPU PENNAGARAM PENNAGARAM PENNAGARAM PIN 636810 in PENNAGARAM, 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.
