Below are the complete branch details for Indian Bank, VELLAYANI JUNCTION branch, located in THIRUVANANTHAPURAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000V162. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IDIB000V162 for Indian Bank – VELLAYANI JUNCTION — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – VELLAYANI JUNCTION is IDIB000V162. The first four letters IDIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 00V162 map to this branch in THIRUVANANTHAPURAM, KERALA.
About Indian Bank
Indian Bank operates a wide network of branches across India, including the Vellayani Junction branch in Thiruvananthapuram. 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, IDIB000V162.
About this branch
The branch is located at TC 53/248 OLD KARAKKAMANDAPAM NEMOM PO NEMOM PIN 695020. 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 IDIB000V162 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Vellayani Junction |
| IFSC Code | IDIB000V162 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TC 53/248 OLD KARAKKAMANDAPAM NEMOM PO NEMOM PIN 695020 |
| City | Thiruvananthapuram |
| District | Thiruvananthapuram |
| State | Kerala |
| STD Code | 91 |
| Phone | 9446400798 |
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 VELLAYANI JUNCTION branch came to be assigned the code IDIB000V162.
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 IDIB000V162, money simply cannot be routed to the VELLAYANI JUNCTION branch electronically.
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 IDIB000V162 and the account number together uniquely identify the Vellayani Junction branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IDIB000V162
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 IDIB000V162 across all three.
NEFT to Indian Bank, VELLAYANI JUNCTION using IFSC IDIB000V162
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 IDIB000V162, and confirm that the system picks up Indian Bank – VELLAYANI JUNCTION. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000V162
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 – VELLAYANI JUNCTION, ensure your bank's portal accepts IFSC IDIB000V162 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – VELLAYANI JUNCTION, use IMPS. With IFSC IDIB000V162 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 IDIB000V162 for Indian Bank – VELLAYANI JUNCTION, 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 – IDIB000V162 | Yes – IDIB000V162 | Yes – IDIB000V162 |
For most retail customers crediting the Vellayani Junction 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 IDIB000V162
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 – VELLAYANI JUNCTION is still mapped to IFSC IDIB000V162. 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 IDIB000V162 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Vellayani Junction branch is mapped to IFSC IDIB000V162 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 IDIB000V162.
Products and services
Customers walking into the Vellayani Junction 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 IDIB000V162
Online banking and IFSC IDIB000V162
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the VELLAYANI JUNCTION 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 IDIB000V162 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 Vellayani Junction branch
The branch is located at TC 53/248 OLD KARAKKAMANDAPAM NEMOM PO NEMOM PIN 695020, which puts it inside Thiruvananthapuram, the broader Thiruvananthapuram district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Vellayani Junction branch” — the verified location pin for IFSC IDIB000V162 should appear at the top of the results.
- Confirm the branch is open by calling 91-9446400798 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 IDIB000V162 and your account number.
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 – VELLAYANI JUNCTION:
- The IFSC is exactly IDIB000V162 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 VELLAYANI JUNCTION 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.
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 Vellayani Junction branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000V162, however, work 24x7.
Verifying IFSC IDIB000V162 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 IDIB000V162 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9446400798.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian BankVellayani Junction Branch
TC 53/248 OLD KARAKKAMANDAPAM NEMOM PO NEMOM PIN 695020
Thiruvananthapuram, Kerala
Phone: 91-9446400798
IFSC: IDIB000V162
Frequently asked questions
Is IFSC IDIB000V162 valid for NEFT and RTGS?
Yes. IFSC IDIB000V162 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Bank Vellayani Junction branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9446400798 to confirm.
Is IFSC IDIB000V162 the same for all accounts at Vellayani Junction branch?
Yes. The IFSC IDIB000V162 is shared by every account held at Indian Bank's Vellayani Junction branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Bank Vellayani Junction branch?
The IFSC code of Indian Bank, Vellayani Junction branch is IDIB000V162. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IDIB000V162 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000V162 to send funds instantly.
What is the phone number of Indian Bank Vellayani Junction branch?
You can reach the branch at 91-9446400798 during regular banking hours.
How quickly will an NEFT transfer using IDIB000V162 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Vellayani Junction reflect within 30 minutes.
Summary
The IFSC code IDIB000V162 belongs to Indian Bank's VELLAYANI JUNCTION branch, located at TC 53/248 OLD KARAKKAMANDAPAM NEMOM PO NEMOM PIN 695020 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.
