IFSC Code of Indian Bank, Sunguvarchatram Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Indian Bank's SUNGUVARCHATRAM branch in SUNGUVARCHATRAM, TAMIL NADU. The branch's IFSC code IDIB000S165 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 – SUNGUVARCHATRAM is IDIB000S165. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00S165 map to this branch in SUNGUVARCHATRAM, TAMIL NADU.

About Indian Bank

Indian Bank operates a wide network of branches across India, including the Sunguvarchatram branch in Sunguvarchatram. 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, IDIB000S165.

Branch details at a glance

About the Sunguvarchatram branch

The Sunguvarchatram branch of Indian Bank is situated at PLOT NO 14 WALAJABAD ROAD SUNGUVARCHATRAM SUNGUVARCHATRAM SRIPERUMBUDUR TK PIN 602106. 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 IDIB000S165 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 SUNGUVARCHATRAM branch came to be assigned the code IDIB000S165.

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 IDIB000S165, money simply cannot be routed to the SUNGUVARCHATRAM branch electronically.

Products and account variants supported

Every account opened at the Sunguvarchatram branch is mapped to IFSC IDIB000S165 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 IDIB000S165.

Products and services

Customers walking into the Sunguvarchatram 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 IDIB000S165

How to transfer money using IFSC IDIB000S165

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 IDIB000S165 across all three.

NEFT to Indian Bank, SUNGUVARCHATRAM using IFSC IDIB000S165

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 IDIB000S165, and confirm that the system picks up Indian Bank – SUNGUVARCHATRAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IDIB000S165

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 – SUNGUVARCHATRAM, ensure your bank's portal accepts IFSC IDIB000S165 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Bank SUNGUVARCHATRAM (IFSC IDIB000S165)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000S165 in your mobile or internet banking app, and the money is credited to the SUNGUVARCHATRAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sunguvarchatram

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IDIB000S165:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at SUNGUVARCHATRAM is still linked to IFSC IDIB000S165.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Bank's SUNGUVARCHATRAM branch, the IFSC IDIB000S165 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC IDIB000S165

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the SUNGUVARCHATRAM 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 IDIB000S165 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.

MICR & cheque-truncation details

Cheques drawn on the Sunguvarchatram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000S165 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – SUNGUVARCHATRAM:

• The IFSC is exactly IDIB000S165 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 SUNGUVARCHATRAM 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 Sunguvarchatram branch sits at PLOT NO 14 WALAJABAD ROAD SUNGUVARCHATRAM SUNGUVARCHATRAM SRIPERUMBUDUR TK PIN 602106. If you are travelling from outside Sunguvarchatram, search for the branch on a maps application using the bank name and locality, or call 44-27166257 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 IDIB000S165 and your account number.

Verifying IFSC IDIB000S165 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 IDIB000S165 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 44-27166257.
• 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 Sunguvarchatram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000S165, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB000S165 is the IFSC code of Indian Bank, SUNGUVARCHATRAM branch, in SUNGUVARCHATRAM, TAMIL NADU. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.