This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, KAZHAKOOTAM branch in THIRUVANANTHAPURAM. The 11-digit IFSC IDIB000K221 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 KAZHAKOOTAM 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.
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 – KAZHAKOOTAM is IDIB000K221. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00K221 map to this branch in THIRUVANANTHAPURAM, KERALA.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Kazhakootam |
| IFSC Code | IDIB000K221 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DELTA POINT NEAR TECHNOPARK CAMPUS NH BYPASS ROAD KAZHAKOOTTAM PO PIN 695582 |
| City | Thiruvananthapuram |
| District | Thiruvananthapuram |
| State | Kerala |
| STD Code | 471 |
| Phone | 2412404 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kazhakootam branch — IFSC IDIB000K221 — extends the bank's services to customers in and around Thiruvananthapuram, Kerala.
About this branch
The branch is located at DELTA POINT NEAR TECHNOPARK CAMPUS NH BYPASS ROAD KAZHAKOOTTAM PO PIN 695582. It serves the Thiruvananthapuram region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB000K221 is used to identify this branch on the RBI payments network.
Why every Indian Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KAZHAKOOTAM of Indian Bank — its own 11-character IFSC. The code IDIB000K221 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IDIB000K221 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IDIB000K221
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 IDIB000K221 across all three.
NEFT to Indian Bank, KAZHAKOOTAM using IFSC IDIB000K221
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 IDIB000K221, and confirm that the system picks up Indian Bank – KAZHAKOOTAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000K221
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 – KAZHAKOOTAM, ensure your bank's portal accepts IFSC IDIB000K221 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – KAZHAKOOTAM, use IMPS. With IFSC IDIB000K221 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 IDIB000K221 for Indian Bank – KAZHAKOOTAM, 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 – IDIB000K221 | Yes – IDIB000K221 | Yes – IDIB000K221 |
For most retail customers crediting the Kazhakootam 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 IDIB000K221
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 – KAZHAKOOTAM is still mapped to IFSC IDIB000K221. 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 IDIB000K221 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kazhakootam branch is mapped to IFSC IDIB000K221 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 IDIB000K221.
Banking services available
The Kazhakootam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 471-2412404.
- 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 IDIB000K221
MICR & cheque-truncation details
Cheques drawn on the Kazhakootam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000K221 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kazhakootam 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 IDIB000K221 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 IDIB000K221
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 – KAZHAKOOTAM, 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:
IDIB000K221. - 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 Kazhakootam branch sits at DELTA POINT NEAR TECHNOPARK CAMPUS NH BYPASS ROAD KAZHAKOOTTAM PO PIN 695582. If you are travelling from outside Thiruvananthapuram, search for the branch on a maps application using the bank name and locality, or call 471-2412404 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 IDIB000K221 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000K221 for Indian Bank – KAZHAKOOTAM, 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 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 Kazhakootam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000K221, however, work 24x7.
Branch address & contact
Indian BankKazhakootam Branch
DELTA POINT NEAR TECHNOPARK CAMPUS NH BYPASS ROAD KAZHAKOOTTAM PO PIN 695582
Thiruvananthapuram, Kerala
Phone: 471-2412404
IFSC: IDIB000K221
Frequently asked questions
Where is Indian Bank Kazhakootam branch located?
Indian Bank's Kazhakootam branch is located at DELTA POINT NEAR TECHNOPARK CAMPUS NH BYPASS ROAD KAZHAKOOTTAM PO PIN 695582, Thiruvananthapuram, Kerala.
Does Indian Bank Kazhakootam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 471-2412404 to confirm.
Can I use IFSC IDIB000K221 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000K221 to send funds instantly.
How quickly will an NEFT transfer using IDIB000K221 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Kazhakootam reflect within 30 minutes.
Is IFSC IDIB000K221 valid for NEFT and RTGS?
Yes. IFSC IDIB000K221 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IDIB000K221 the same for all accounts at Kazhakootam branch?
Yes. The IFSC IDIB000K221 is shared by every account held at Indian Bank's Kazhakootam branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Bank Kazhakootam branch?
The IFSC code of Indian Bank, Kazhakootam branch is IDIB000K221. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IDIB000K221 belongs to Indian Bank's KAZHAKOOTAM branch, located at DELTA POINT NEAR TECHNOPARK CAMPUS NH BYPASS ROAD KAZHAKOOTTAM PO PIN 695582 in THIRUVANANTHAPURAM, KERALA. 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.
