Below are the complete branch details for Indian Bank, MICROSATE TRICHY branch, located in TRICHY, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000M188. 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 IDIB000M188 for Indian Bank – MICROSATE TRICHY — 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, IDIB000M188 is the IFSC of Indian Bank's MICROSATE TRICHY branch. The format is fixed: IDIB = bank code, 0 = reserved, 00M188 = 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 Microsate Trichy branch in Trichy, Tamil Nadu is part of this network and uses the IFSC code IDIB000M188 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Microsate Trichy |
| IFSC Code | IDIB000M188 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 128 UPSTAIRSI FLOOR BIG BAZAAR STREET TRICHY620008 TRICHY PIN 620008 |
| City | Trichy |
| District | Trichy |
| State | Tamil Nadu |
| STD Code | 431 |
| Phone | 2701973 |
About the Microsate Trichy branch
The Microsate Trichy branch of Indian Bank is situated at 128 UPSTAIRSI FLOOR BIG BAZAAR STREET TRICHY620008 TRICHY PIN 620008. 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 IDIB000M188 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 MICROSATE TRICHY of Indian Bank — its own 11-character IFSC. The code IDIB000M188 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 IDIB000M188 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 Microsate Trichy branch
Once you have an account at Indian Bank – MICROSATE TRICHY, the IFSC IDIB000M188 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 Microsate Trichy 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 IDIB000M188
How to transfer money using IFSC IDIB000M188
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 IDIB000M188 across all three.
How to use IFSC IDIB000M188 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's MICROSATE TRICHY 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 IDIB000M188.
- Confirm the bank name auto-populates as Indian Bank and the branch as MICROSATE TRICHY.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to MICROSATE TRICHY
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's MICROSATE TRICHY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000M188 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Bank MICROSATE TRICHY (IFSC IDIB000M188)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000M188 in your mobile or internet banking app, and the money is credited to the MICROSATE TRICHY branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Microsate Trichy
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 IDIB000M188:
- 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 MICROSATE TRICHY is still linked to IFSC IDIB000M188.
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.
UPI payments and IFSC IDIB000M188
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 – MICROSATE TRICHY is still mapped to IFSC IDIB000M188. 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 IDIB000M188 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 Microsate Trichy 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 IDIB000M188 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 IDIB000M188 and the account number together uniquely identify the Microsate Trichy 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 IDIB000M188
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 – MICROSATE TRICHY, 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:
IDIB000M188. - 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 Microsate Trichy branch sits at 128 UPSTAIRSI FLOOR BIG BAZAAR STREET TRICHY620008 TRICHY PIN 620008. If you are travelling from outside Trichy, search for the branch on a maps application using the bank name and locality, or call 431-2701973 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 IDIB000M188 and your account number.
Verifying IFSC IDIB000M188 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 IDIB000M188 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 431-2701973.
- Visiting the bank's official branch locator page.
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 Microsate Trichy branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000M188, however, work 24x7.
Branch address & contact
Indian BankMicrosate Trichy Branch
128 UPSTAIRSI FLOOR BIG BAZAAR STREET TRICHY620008 TRICHY PIN 620008
Trichy, Tamil Nadu
Phone: 431-2701973
IFSC: IDIB000M188
Frequently asked questions
Where is Indian Bank Microsate Trichy branch located?
Indian Bank's Microsate Trichy branch is located at 128 UPSTAIRSI FLOOR BIG BAZAAR STREET TRICHY620008 TRICHY PIN 620008, Trichy, Tamil Nadu.
Can I use IFSC IDIB000M188 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000M188 to send funds instantly.
Does Indian Bank Microsate Trichy branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 431-2701973 to confirm.
What is the phone number of Indian Bank Microsate Trichy branch?
You can reach the branch at 431-2701973 during regular banking hours.
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 Microsate Trichy branch but serve different purposes.
Is IFSC IDIB000M188 the same for all accounts at Microsate Trichy branch?
Yes. The IFSC IDIB000M188 is shared by every account held at Indian Bank's Microsate Trichy branch. Only the account number changes from customer to customer.
How do I add Indian Bank Microsate Trichy as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000M188, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Bank Microsate Trichy branch?
The IFSC code of Indian Bank, Microsate Trichy branch is IDIB000M188. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IDIB000M188 belongs to Indian Bank's MICROSATE TRICHY branch, located at 128 UPSTAIRSI FLOOR BIG BAZAAR STREET TRICHY620008 TRICHY PIN 620008 in TRICHY, 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.
