If you are searching for the IFSC code of Indian Bank, MUDALIARPET branch in PUDUCHERRY, PUDUCHERRY, this page has every detail you need. The verified IFSC code for this branch is IDIB000M054. 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 MUDALIARPET branch, and detailed step-by-step guides for using the IFSC IDIB000M054 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 – MUDALIARPET is IDIB000M054. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00M054 map to this branch in PUDUCHERRY, PUDUCHERRY.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Mudaliarpet |
| IFSC Code | IDIB000M054 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 70 CUDDALORE ROAD MUDALIARPET PUDUCHERRY MUDALIARPET PIN 605004 |
| City | Puducherry |
| District | Puducherry |
| State | Puducherry |
| STD Code | 413 |
| Phone | 2358897 |
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Mudaliarpet branch in Puducherry. 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, IDIB000M054.
About the Mudaliarpet branch
The Mudaliarpet branch of Indian Bank is situated at 70 CUDDALORE ROAD MUDALIARPET PUDUCHERRY MUDALIARPET PIN 605004. 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 IDIB000M054 is used.
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 MUDALIARPET branch came to be assigned the code IDIB000M054.
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 IDIB000M054, money simply cannot be routed to the MUDALIARPET branch electronically.
How to transfer money using IFSC IDIB000M054
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 IDIB000M054 across all three.
NEFT to Indian Bank, MUDALIARPET using IFSC IDIB000M054
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 IDIB000M054, and confirm that the system picks up Indian Bank – MUDALIARPET. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MUDALIARPET
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's MUDALIARPET branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000M054 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank MUDALIARPET (IFSC IDIB000M054)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000M054 in your mobile or internet banking app, and the money is credited to the MUDALIARPET branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000M054 for Indian Bank – MUDALIARPET, 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 – IDIB000M054 | Yes – IDIB000M054 | Yes – IDIB000M054 |
For most retail customers crediting the Mudaliarpet 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 IDIB000M054
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 – MUDALIARPET is still mapped to IFSC IDIB000M054. 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 IDIB000M054 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Mudaliarpet branch is mapped to IFSC IDIB000M054 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 IDIB000M054.
Banking services available
The Mudaliarpet branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 413-2358897.
- 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 IDIB000M054
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 IDIB000M054 and the account number together uniquely identify the Mudaliarpet branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Mudaliarpet 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 IDIB000M054 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 IDIB000M054
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 – MUDALIARPET, 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:
IDIB000M054. - 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 Mudaliarpet branch sits at 70 CUDDALORE ROAD MUDALIARPET PUDUCHERRY MUDALIARPET PIN 605004. If you are travelling from outside Puducherry, search for the branch on a maps application using the bank name and locality, or call 413-2358897 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 IDIB000M054 and your account number.
Verifying IFSC IDIB000M054 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 IDIB000M054 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 413-2358897.
- 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 Mudaliarpet branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000M054, however, work 24x7.
Branch address & contact
Indian BankMudaliarpet Branch
70 CUDDALORE ROAD MUDALIARPET PUDUCHERRY MUDALIARPET PIN 605004
Puducherry, Puducherry
Phone: 413-2358897
IFSC: IDIB000M054
Frequently asked questions
Where is Indian Bank Mudaliarpet branch located?
Indian Bank's Mudaliarpet branch is located at 70 CUDDALORE ROAD MUDALIARPET PUDUCHERRY MUDALIARPET PIN 605004, Puducherry, Puducherry.
What is the IFSC code of Indian Bank Mudaliarpet branch?
The IFSC code of Indian Bank, Mudaliarpet branch is IDIB000M054. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Bank Mudaliarpet branch?
You can reach the branch at 413-2358897 during regular banking hours.
Is IFSC IDIB000M054 the same for all accounts at Mudaliarpet branch?
Yes. The IFSC IDIB000M054 is shared by every account held at Indian Bank's Mudaliarpet branch. Only the account number changes from customer to customer.
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 Mudaliarpet branch but serve different purposes.
How quickly will an NEFT transfer using IDIB000M054 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Mudaliarpet reflect within 30 minutes.
Does Indian Bank Mudaliarpet branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 413-2358897 to confirm.
Can I use IFSC IDIB000M054 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000M054 to send funds instantly.
Summary
The IFSC code IDIB000M054 belongs to Indian Bank's MUDALIARPET branch, located at 70 CUDDALORE ROAD MUDALIARPET PUDUCHERRY MUDALIARPET PIN 605004 in PUDUCHERRY, 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.
