Use this page as a one-stop reference for everything related to Indian Bank's PACR POLYTECHNIC branch in PONNAGARAM, TAMIL NADU. The branch's IFSC code IDIB000P168 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.
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 – PACR POLYTECHNIC is IDIB000P168. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00P168 map to this branch in PONNAGARAM, TAMIL NADU.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Pacr Polytechnic branch in Ponnagaram. 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, IDIB000P168.
About the Pacr Polytechnic branch
The Pacr Polytechnic branch of Indian Bank is situated at 97 A/1 PACR SALAI KR NAGAR POST PONNAGARAM RAJAPALAYAM PIN 626108. 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 IDIB000P168 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Pacr Polytechnic |
| IFSC Code | IDIB000P168 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 97 A/1 PACR SALAI KR NAGAR POST PONNAGARAM RAJAPALAYAM PIN 626108 |
| City | Ponnagaram |
| District | Virudhunagar |
| State | Tamil Nadu |
| STD Code | 4563 |
| Phone | 235900 |
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 PACR POLYTECHNIC branch came to be assigned the code IDIB000P168.
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 IDIB000P168, money simply cannot be routed to the PACR POLYTECHNIC 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 IDIB000P168 and the account number together uniquely identify the Pacr Polytechnic branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000P168
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 IDIB000P168 across all three.
NEFT to Indian Bank, PACR POLYTECHNIC using IFSC IDIB000P168
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 IDIB000P168, and confirm that the system picks up Indian Bank – PACR POLYTECHNIC. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PACR POLYTECHNIC
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's PACR POLYTECHNIC branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000P168 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 – PACR POLYTECHNIC, use IMPS. With IFSC IDIB000P168 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 IDIB000P168 for Indian Bank – PACR POLYTECHNIC, 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 – IDIB000P168 | Yes – IDIB000P168 | Yes – IDIB000P168 |
For most retail customers crediting the Pacr Polytechnic 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 IDIB000P168
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 – PACR POLYTECHNIC is still mapped to IFSC IDIB000P168. 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 IDIB000P168 and the beneficiary's account number to complete the transfer.
Account types you can open at the Pacr Polytechnic branch
Once you have an account at Indian Bank – PACR POLYTECHNIC, the IFSC IDIB000P168 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Pacr Polytechnic branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4563-235900.
- 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 IDIB000P168
Online banking and IFSC IDIB000P168
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the PACR POLYTECHNIC 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 IDIB000P168 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.
How to reach the Pacr Polytechnic branch
The branch is located at 97 A/1 PACR SALAI KR NAGAR POST PONNAGARAM RAJAPALAYAM PIN 626108, which puts it inside Ponnagaram, the broader Virudhunagar district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Pacr Polytechnic branch” — the verified location pin for IFSC IDIB000P168 should appear at the top of the results.
- Confirm the branch is open by calling 4563-235900 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 IDIB000P168 and your account number.
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 – PACR POLYTECHNIC:
- The IFSC is exactly IDIB000P168 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 PACR POLYTECHNIC 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.
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 Pacr Polytechnic branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000P168, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000P168 for Indian Bank – PACR POLYTECHNIC, 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
Indian BankPacr Polytechnic Branch
97 A/1 PACR SALAI KR NAGAR POST PONNAGARAM RAJAPALAYAM PIN 626108
Ponnagaram, Tamil Nadu
Phone: 4563-235900
IFSC: IDIB000P168
Frequently asked questions
How do I add Indian Bank Pacr Polytechnic as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000P168, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Bank Pacr Polytechnic branch located?
Indian Bank's Pacr Polytechnic branch is located at 97 A/1 PACR SALAI KR NAGAR POST PONNAGARAM RAJAPALAYAM PIN 626108, Ponnagaram, Tamil Nadu.
What is the phone number of Indian Bank Pacr Polytechnic branch?
You can reach the branch at 4563-235900 during regular banking hours.
How quickly will an NEFT transfer using IDIB000P168 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Pacr Polytechnic reflect within 30 minutes.
What is the IFSC code of Indian Bank Pacr Polytechnic branch?
The IFSC code of Indian Bank, Pacr Polytechnic branch is IDIB000P168. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000P168 valid for NEFT and RTGS?
Yes. IFSC IDIB000P168 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Bank Pacr Polytechnic branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4563-235900 to confirm.
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 Pacr Polytechnic branch but serve different purposes.
Summary
The IFSC code IDIB000P168 belongs to Indian Bank's PACR POLYTECHNIC branch, located at 97 A/1 PACR SALAI KR NAGAR POST PONNAGARAM RAJAPALAYAM PIN 626108 in PONNAGARAM, 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.
