IFSC Code of Indian Bank, Kalapet Puducherry Branch, Puducherry

Below are the complete branch details for Indian Bank, KALAPET PUDUCHERRY branch, located in PERIA KALAPET, PUDUCHERRY. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000P239. 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 IDIB000P239 for Indian Bank – KALAPET PUDUCHERRY — 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 – KALAPET PUDUCHERRY is IDIB000P239. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00P239 map to this branch in PERIA KALAPET, PUDUCHERRY.

Bank profile

Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalapet Puducherry branch — IFSC IDIB000P239 — extends the bank's services to customers in and around Peria Kalapet, Puducherry.

About the Kalapet Puducherry branch

The Kalapet Puducherry branch of Indian Bank is situated at 45 ECR MAIN ROAD PERIA KALAPET PERIA KALAPET KALAPET PIN 605014. 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 IDIB000P239 is used.

Branch details at a glance

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 KALAPET PUDUCHERRY branch came to be assigned the code IDIB000P239.

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 IDIB000P239, money simply cannot be routed to the KALAPET PUDUCHERRY 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 IDIB000P239 and the account number together uniquely identify the Kalapet Puducherry branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IDIB000P239

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 IDIB000P239 across all three.

NEFT to Indian Bank, KALAPET PUDUCHERRY using IFSC IDIB000P239

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 IDIB000P239, and confirm that the system picks up Indian Bank – KALAPET PUDUCHERRY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALAPET PUDUCHERRY

If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KALAPET PUDUCHERRY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000P239 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Bank KALAPET PUDUCHERRY (IFSC IDIB000P239)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000P239 in your mobile or internet banking app, and the money is credited to the KALAPET PUDUCHERRY branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IDIB000P239 for Indian Bank – KALAPET PUDUCHERRY, 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.

For most retail customers crediting the Kalapet Puducherry 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 IDIB000P239

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 – KALAPET PUDUCHERRY is still mapped to IFSC IDIB000P239. 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 IDIB000P239 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kalapet Puducherry branch is mapped to IFSC IDIB000P239 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 IDIB000P239.

Products and services

Customers walking into the Kalapet Puducherry 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 IDIB000P239

Digital banking channels

Most day-to-day work that customers used to do at the Kalapet Puducherry 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 IDIB000P239 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 Kalapet Puducherry branch

The branch is located at 45 ECR MAIN ROAD PERIA KALAPET PERIA KALAPET KALAPET PIN 605014, which puts it inside Peria Kalapet, the broader Puducherry district, and the state of Puducherry. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Bank Kalapet Puducherry branch” — the verified location pin for IFSC IDIB000P239 should appear at the top of the results.
2. Confirm the branch is open by calling 413-2655657 before stepping out, especially around public holidays.
3. 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 IDIB000P239 and your account number.

Common mistakes to avoid when using IFSC IDIB000P239

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 – KALAPET PUDUCHERRY, 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: IDIB000P239.
• 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.

Working hours

Branch counters at Kalapet Puducherry 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 IDIB000P239 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDIB000P239 for Indian Bank – KALAPET PUDUCHERRY, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDIB000P239 belongs to Indian Bank's KALAPET PUDUCHERRY branch, located at 45 ECR MAIN ROAD PERIA KALAPET PERIA KALAPET KALAPET PIN 605014 in PERIA KALAPET, PUDUCHERRY. 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.