If you are searching for the IFSC code of Indian Bank, NORTH USMAN ROAD branch in T NAGAR, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IDIB000N032. 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 NORTH USMAN ROAD branch, and detailed step-by-step guides for using the IFSC IDIB000N032 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.
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, IDIB000N032 is the IFSC of Indian Bank's NORTH USMAN ROAD branch. The format is fixed: IDIB = bank code, 0 = reserved, 00N032 = branch identifier.
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The North Usman Road branch — IFSC IDIB000N032 — extends the bank's services to customers in and around T Nagar, Tamil Nadu.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | North Usman Road |
| IFSC Code | IDIB000N032 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO53/32ELITE TOWERSFIRST FLOOR NORTH USMAN ROAD T NAGAR NORTH USMAN ROAD PIN 600017 |
| City | T Nagar |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28345147 |
North Usman Road branch overview
Located at NO53/32ELITE TOWERSFIRST FLOOR NORTH USMAN ROAD T NAGAR NORTH USMAN ROAD PIN 600017, the North Usman Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IDIB000N032 is required for all interbank electronic transfers routed through this branch.
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 NORTH USMAN ROAD branch came to be assigned the code IDIB000N032.
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 IDIB000N032, money simply cannot be routed to the NORTH USMAN ROAD branch electronically.
Products and account variants supported
Every account opened at the North Usman Road branch is mapped to IFSC IDIB000N032 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 IDIB000N032.
Products and services
Customers walking into the North Usman Road 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 IDIB000N032
How to transfer money using IFSC IDIB000N032
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 IDIB000N032 across all three.
NEFT to Indian Bank, NORTH USMAN ROAD using IFSC IDIB000N032
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 IDIB000N032, and confirm that the system picks up Indian Bank – NORTH USMAN ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NORTH USMAN ROAD
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's NORTH USMAN ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000N032 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank NORTH USMAN ROAD (IFSC IDIB000N032)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000N032 in your mobile or internet banking app, and the money is credited to the NORTH USMAN ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000N032 for Indian Bank – NORTH USMAN ROAD, 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 – IDIB000N032 | Yes – IDIB000N032 | Yes – IDIB000N032 |
For most retail customers crediting the North Usman Road 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.
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 NORTH USMAN ROAD branch, the IFSC IDIB000N032 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 IDIB000N032
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the NORTH USMAN ROAD 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 IDIB000N032 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 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 IDIB000N032 and the account number together uniquely identify the North Usman Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IDIB000N032
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 – NORTH USMAN ROAD, 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:
IDIB000N032. - 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 North Usman Road branch sits at NO53/32ELITE TOWERSFIRST FLOOR NORTH USMAN ROAD T NAGAR NORTH USMAN ROAD PIN 600017. If you are travelling from outside T Nagar, search for the branch on a maps application using the bank name and locality, or call 44-28345147 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 IDIB000N032 and your account number.
Verifying IFSC IDIB000N032 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 IDIB000N032 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28345147.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at North Usman Road 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 IDIB000N032 continue to work without interruption.
Branch address & contact
Indian BankNorth Usman Road Branch
NO53/32ELITE TOWERSFIRST FLOOR NORTH USMAN ROAD T NAGAR NORTH USMAN ROAD PIN 600017
T Nagar, Tamil Nadu
Phone: 44-28345147
IFSC: IDIB000N032
Frequently asked questions
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 North Usman Road branch but serve different purposes.
Where is Indian Bank North Usman Road branch located?
Indian Bank's North Usman Road branch is located at NO53/32ELITE TOWERSFIRST FLOOR NORTH USMAN ROAD T NAGAR NORTH USMAN ROAD PIN 600017, T Nagar, Tamil Nadu.
How do I add Indian Bank North Usman Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000N032, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Bank North Usman Road branch?
The IFSC code of Indian Bank, North Usman Road branch is IDIB000N032. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IDIB000N032 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – North Usman Road reflect within 30 minutes.
Is IFSC IDIB000N032 the same for all accounts at North Usman Road branch?
Yes. The IFSC IDIB000N032 is shared by every account held at Indian Bank's North Usman Road branch. Only the account number changes from customer to customer.
Can I use IFSC IDIB000N032 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000N032 to send funds instantly.
Summary
The IFSC code IDIB000N032 belongs to Indian Bank's NORTH USMAN ROAD branch, located at NO53/32ELITE TOWERSFIRST FLOOR NORTH USMAN ROAD T NAGAR NORTH USMAN ROAD PIN… in T NAGAR, 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.
