Below are the complete branch details for Indian Bank, THORAPADI branch, located in THORAPADI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000T019. 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 IDIB000T019 for Indian Bank – THORAPADI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IDIB000T019 is the IFSC of Indian Bank's THORAPADI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00T019 = branch identifier.
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Thorapadi branch in Thorapadi, Tamil Nadu is part of this network and uses the IFSC code IDIB000T019 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Thorapadi |
| IFSC Code | IDIB000T019 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 78 78A AZAD ROAD THORAPADI THORAPADI PIN 632002 |
| City | Thorapadi |
| District | Vellore |
| State | Tamil Nadu |
| STD Code | 416 |
| Phone | 2222163 |
About this branch
The branch is located at 78 78A AZAD ROAD THORAPADI THORAPADI PIN 632002. It serves the Thorapadi 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 IDIB000T019 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 THORAPADI of Indian Bank — its own 11-character IFSC. The code IDIB000T019 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 IDIB000T019 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Thorapadi branch
Once you have an account at Indian Bank – THORAPADI, the IFSC IDIB000T019 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 Thorapadi 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 IDIB000T019
How to transfer money using IFSC IDIB000T019
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 IDIB000T019 across all three.
How to use IFSC IDIB000T019 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's THORAPADI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IDIB000T019.
- Confirm the bank name auto-populates as Indian Bank and the branch as THORAPADI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000T019
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 – THORAPADI, ensure your bank's portal accepts IFSC IDIB000T019 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank THORAPADI (IFSC IDIB000T019)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000T019 in your mobile or internet banking app, and the money is credited to the THORAPADI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000T019 for Indian Bank – THORAPADI, 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 – IDIB000T019 | Yes – IDIB000T019 | Yes – IDIB000T019 |
For most retail customers crediting the Thorapadi 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 IDIB000T019
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 – THORAPADI is still mapped to IFSC IDIB000T019. 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 IDIB000T019 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Thorapadi 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 IDIB000T019 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.
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 IDIB000T019 and the account number together uniquely identify the Thorapadi 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 IDIB000T019
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 – THORAPADI, 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:
IDIB000T019. - 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.
How to reach the Thorapadi branch
The branch is located at 78 78A AZAD ROAD THORAPADI THORAPADI PIN 632002, which puts it inside Thorapadi, the broader Vellore district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Thorapadi branch” — the verified location pin for IFSC IDIB000T019 should appear at the top of the results.
- Confirm the branch is open by calling 416-2222163 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 IDIB000T019 and your account number.
Verifying IFSC IDIB000T019 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 IDIB000T019 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 416-2222163.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Thorapadi 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 IDIB000T019 continue to work without interruption.
Branch address & contact
Indian BankThorapadi Branch
78 78A AZAD ROAD THORAPADI THORAPADI PIN 632002
Thorapadi, Tamil Nadu
Phone: 416-2222163
IFSC: IDIB000T019
Frequently asked questions
Does Indian Bank Thorapadi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 416-2222163 to confirm.
Is IFSC IDIB000T019 the same for all accounts at Thorapadi branch?
Yes. The IFSC IDIB000T019 is shared by every account held at Indian Bank's Thorapadi branch. Only the account number changes from customer to customer.
How do I add Indian Bank Thorapadi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000T019, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDIB000T019 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Thorapadi reflect within 30 minutes.
What is the phone number of Indian Bank Thorapadi branch?
You can reach the branch at 416-2222163 during regular banking hours.
What is the IFSC code of Indian Bank Thorapadi branch?
The IFSC code of Indian Bank, Thorapadi branch is IDIB000T019. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Bank Thorapadi branch located?
Indian Bank's Thorapadi branch is located at 78 78A AZAD ROAD THORAPADI THORAPADI PIN 632002, Thorapadi, Tamil Nadu.
Is IFSC IDIB000T019 valid for NEFT and RTGS?
Yes. IFSC IDIB000T019 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IDIB000T019 is the IFSC code of Indian Bank, THORAPADI branch, in THORAPADI, 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.
