Below are the complete branch details for Indian Bank, THRISSUR branch, located in THRISSUR, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000T054. 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 IDIB000T054 for Indian Bank – THRISSUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Bank's THRISSUR branch, the IFSC IDIB000T054 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00T054 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Thrissur |
| IFSC Code | IDIB000T054 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KDSBUILDING SWARAJ ROUND EAST THRISSUR THRISSUR PIN 680001 |
| City | Thrissur |
| District | Thrissur |
| State | Kerala |
| STD Code | 487 |
| Phone | 2331244 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Thrissur branch — IFSC IDIB000T054 — extends the bank's services to customers in and around Thrissur, Kerala.
About the Thrissur branch
The Thrissur branch of Indian Bank is situated at KDSBUILDING SWARAJ ROUND EAST THRISSUR THRISSUR PIN 680001. 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 IDIB000T054 is used.
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 THRISSUR of Indian Bank — its own 11-character IFSC. The code IDIB000T054 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 IDIB000T054 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 IDIB000T054
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 IDIB000T054 across all three.
How to use IFSC IDIB000T054 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's THRISSUR 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 IDIB000T054.
- Confirm the bank name auto-populates as Indian Bank and the branch as THRISSUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000T054
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 – THRISSUR, ensure your bank's portal accepts IFSC IDIB000T054 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – THRISSUR, use IMPS. With IFSC IDIB000T054 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Thrissur
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IDIB000T054:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at THRISSUR is still linked to IFSC IDIB000T054.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 THRISSUR branch, the IFSC IDIB000T054 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.
Products and account variants supported
Every account opened at the Thrissur branch is mapped to IFSC IDIB000T054 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 IDIB000T054.
Products and services
Customers walking into the Thrissur 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 IDIB000T054
MICR & cheque-truncation details
Cheques drawn on the Thrissur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000T054 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 Thrissur 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 IDIB000T054 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.
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 – THRISSUR:
- The IFSC is exactly IDIB000T054 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 THRISSUR 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.
How to reach the Thrissur branch
The branch is located at KDSBUILDING SWARAJ ROUND EAST THRISSUR THRISSUR PIN 680001, which puts it inside Thrissur, the broader Thrissur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Thrissur branch” — the verified location pin for IFSC IDIB000T054 should appear at the top of the results.
- Confirm the branch is open by calling 487-2331244 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 IDIB000T054 and your account number.
Verifying IFSC IDIB000T054 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 IDIB000T054 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 487-2331244.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Thrissur 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 IDIB000T054 continue to work without interruption.
Branch address & contact
Indian BankThrissur Branch
KDSBUILDING SWARAJ ROUND EAST THRISSUR THRISSUR PIN 680001
Thrissur, Kerala
Phone: 487-2331244
IFSC: IDIB000T054
Frequently asked questions
Is IFSC IDIB000T054 the same for all accounts at Thrissur branch?
Yes. The IFSC IDIB000T054 is shared by every account held at Indian Bank's Thrissur branch. Only the account number changes from customer to customer.
Where is Indian Bank Thrissur branch located?
Indian Bank's Thrissur branch is located at KDSBUILDING SWARAJ ROUND EAST THRISSUR THRISSUR PIN 680001, Thrissur, Kerala.
How do I add Indian Bank Thrissur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000T054, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Thrissur branch but serve different purposes.
Does Indian Bank Thrissur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 487-2331244 to confirm.
How quickly will an NEFT transfer using IDIB000T054 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Thrissur reflect within 30 minutes.
Can I use IFSC IDIB000T054 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000T054 to send funds instantly.
Is IFSC IDIB000T054 valid for NEFT and RTGS?
Yes. IFSC IDIB000T054 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IDIB000T054 is the IFSC code of Indian Bank, THRISSUR branch, in THRISSUR, KERALA. 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.
