This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, KOTAGIRI branch in THE NILGIRIS. The 11-digit IFSC IDIB000K177 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Bank at the KOTAGIRI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, IDIB000K177 is the IFSC of Indian Bank's KOTAGIRI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00K177 = branch identifier.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Kotagiri branch in The Nilgiris. 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, IDIB000K177.
About the Kotagiri branch
The Kotagiri branch of Indian Bank is situated at 27/31 METUPALAYAM ROAD DONNINGTON ROAD KOTAGIRI PIN 643217. 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 IDIB000K177 is used.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kotagiri |
| IFSC Code | IDIB000K177 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 27/31 METUPALAYAM ROAD DONNINGTON ROAD KOTAGIRI PIN 643217 |
| City | The Nilgiris |
| District | The Nilgiris |
| State | Tamil Nadu |
| STD Code | 4266 |
| Phone | 275330 |
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 KOTAGIRI branch came to be assigned the code IDIB000K177.
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 IDIB000K177, money simply cannot be routed to the KOTAGIRI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Kotagiri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K177 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IDIB000K177
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 IDIB000K177 across all three.
NEFT to Indian Bank, KOTAGIRI using IFSC IDIB000K177
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 IDIB000K177, and confirm that the system picks up Indian Bank – KOTAGIRI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOTAGIRI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's KOTAGIRI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000K177 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank KOTAGIRI (IFSC IDIB000K177)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000K177 in your mobile or internet banking app, and the money is credited to the KOTAGIRI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000K177 for Indian Bank – KOTAGIRI, 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 – IDIB000K177 | Yes – IDIB000K177 | Yes – IDIB000K177 |
For most retail customers crediting the Kotagiri 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 IDIB000K177
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 – KOTAGIRI is still mapped to IFSC IDIB000K177. 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 IDIB000K177 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kotagiri branch
Once you have an account at Indian Bank – KOTAGIRI, the IFSC IDIB000K177 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.
Products and services
Customers walking into the Kotagiri 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 IDIB000K177
Online banking and IFSC IDIB000K177
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the KOTAGIRI 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 IDIB000K177 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 Kotagiri branch
The branch is located at 27/31 METUPALAYAM ROAD DONNINGTON ROAD KOTAGIRI PIN 643217, which puts it inside The Nilgiris, the broader The Nilgiris district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Kotagiri branch” — the verified location pin for IFSC IDIB000K177 should appear at the top of the results.
- Confirm the branch is open by calling 4266-275330 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 IDIB000K177 and your account number.
Common mistakes to avoid when using IFSC IDIB000K177
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 – KOTAGIRI, 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:
IDIB000K177. - 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 Kotagiri 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 IDIB000K177 continue to work without interruption.
Verifying IFSC IDIB000K177 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 IDIB000K177 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4266-275330.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankKotagiri Branch
27/31 METUPALAYAM ROAD DONNINGTON ROAD KOTAGIRI PIN 643217
The Nilgiris, Tamil Nadu
Phone: 4266-275330
IFSC: IDIB000K177
Frequently asked questions
How quickly will an NEFT transfer using IDIB000K177 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Kotagiri reflect within 30 minutes.
What is the IFSC code of Indian Bank Kotagiri branch?
The IFSC code of Indian Bank, Kotagiri branch is IDIB000K177. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IDIB000K177 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K177 to send funds instantly.
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 Kotagiri branch but serve different purposes.
Is IFSC IDIB000K177 the same for all accounts at Kotagiri branch?
Yes. The IFSC IDIB000K177 is shared by every account held at Indian Bank's Kotagiri branch. Only the account number changes from customer to customer.
What is the phone number of Indian Bank Kotagiri branch?
You can reach the branch at 4266-275330 during regular banking hours.
Is IFSC IDIB000K177 valid for NEFT and RTGS?
Yes. IFSC IDIB000K177 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IDIB000K177 belongs to Indian Bank's KOTAGIRI branch, located at 27/31 METUPALAYAM ROAD DONNINGTON ROAD KOTAGIRI PIN 643217 in THE NILGIRIS, 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.
