This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Bank, UDANGUDI branch in TUTICORIN. The 11-digit IFSC IDIB000U043 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 UDANGUDI 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.
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, IDIB000U043 is the IFSC of Indian Bank's UDANGUDI branch. The format is fixed: IDIB = bank code, 0 = reserved, 00U043 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Udangudi |
| IFSC Code | IDIB000U043 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 367/111 THISAYANVILLAI ROAD MAIN BAZAAR UDANGUDI PIN 628203 |
| City | Tuticorin |
| District | Tuticorin |
| State | Tamil Nadu |
| STD Code | 4639 |
| Phone | 251367 |
About the bank
Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Udangudi branch in Tuticorin, Tamil Nadu is part of this network and uses the IFSC code IDIB000U043 for all electronic settlement.
About the Udangudi branch
The Udangudi branch of Indian Bank is situated at 367/111 THISAYANVILLAI ROAD MAIN BAZAAR UDANGUDI PIN 628203. 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 IDIB000U043 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 UDANGUDI of Indian Bank — its own 11-character IFSC. The code IDIB000U043 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 IDIB000U043 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 IDIB000U043
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 IDIB000U043 across all three.
How to use IFSC IDIB000U043 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Bank's UDANGUDI 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 IDIB000U043.
- Confirm the bank name auto-populates as Indian Bank and the branch as UDANGUDI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IDIB000U043
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 – UDANGUDI, ensure your bank's portal accepts IFSC IDIB000U043 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Bank UDANGUDI (IFSC IDIB000U043)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB000U043 in your mobile or internet banking app, and the money is credited to the UDANGUDI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000U043 for Indian Bank – UDANGUDI, 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 – IDIB000U043 | Yes – IDIB000U043 | Yes – IDIB000U043 |
For most retail customers crediting the Udangudi 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.
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 UDANGUDI branch, the IFSC IDIB000U043 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 Udangudi branch is mapped to IFSC IDIB000U043 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 IDIB000U043.
Products and services
Customers walking into the Udangudi 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 IDIB000U043
MICR & cheque-truncation details
Cheques drawn on the Udangudi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000U043 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 Udangudi 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 IDIB000U043 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 IDIB000U043
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 – UDANGUDI, 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:
IDIB000U043. - 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 Udangudi branch
The branch is located at 367/111 THISAYANVILLAI ROAD MAIN BAZAAR UDANGUDI PIN 628203, which puts it inside Tuticorin, the broader Tuticorin district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Bank Udangudi branch” — the verified location pin for IFSC IDIB000U043 should appear at the top of the results.
- Confirm the branch is open by calling 4639-251367 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 IDIB000U043 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IDIB000U043 for Indian Bank – UDANGUDI, 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.
Working hours
Branch counters at Udangudi 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 IDIB000U043 continue to work without interruption.
Branch address & contact
Indian BankUdangudi Branch
367/111 THISAYANVILLAI ROAD MAIN BAZAAR UDANGUDI PIN 628203
Tuticorin, Tamil Nadu
Phone: 4639-251367
IFSC: IDIB000U043
Frequently asked questions
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 Udangudi branch but serve different purposes.
What is the phone number of Indian Bank Udangudi branch?
You can reach the branch at 4639-251367 during regular banking hours.
Where is Indian Bank Udangudi branch located?
Indian Bank's Udangudi branch is located at 367/111 THISAYANVILLAI ROAD MAIN BAZAAR UDANGUDI PIN 628203, Tuticorin, Tamil Nadu.
What is the IFSC code of Indian Bank Udangudi branch?
The IFSC code of Indian Bank, Udangudi branch is IDIB000U043. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IDIB000U043 the same for all accounts at Udangudi branch?
Yes. The IFSC IDIB000U043 is shared by every account held at Indian Bank's Udangudi branch. Only the account number changes from customer to customer.
Is IFSC IDIB000U043 valid for NEFT and RTGS?
Yes. IFSC IDIB000U043 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Bank Udangudi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000U043, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IDIB000U043 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Udangudi reflect within 30 minutes.
Summary
The IFSC code IDIB000U043 belongs to Indian Bank's UDANGUDI branch, located at 367/111 THISAYANVILLAI ROAD MAIN BAZAAR UDANGUDI PIN 628203 in TUTICORIN, 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.
