Use this page as a one-stop reference for everything related to Indian Bank's RAMANKULANGARA branch in VELAYITTAMBALAM, KERALA. The branch's IFSC code IDIB000R108 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 RAMANKULANGARA branch, the IFSC IDIB000R108 breaks down as follows: IDIB identifies the bank, 0 is the reserved character, and 00R108 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Ramankulangara |
| IFSC Code | IDIB000R108 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR SHIVAGIRI TOWERS VELAYITTAMBALAM KAVANAD PO PIN 691003 |
| City | Velayittambalam |
| District | Kollam |
| State | Kerala |
| STD Code | 474 |
| Phone | 2797070 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ramankulangara branch — IFSC IDIB000R108 — extends the bank's services to customers in and around Velayittambalam, Kerala.
About the Ramankulangara branch
The Ramankulangara branch of Indian Bank is situated at GROUND FLOOR SHIVAGIRI TOWERS VELAYITTAMBALAM KAVANAD PO PIN 691003. 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 IDIB000R108 is used.
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 RAMANKULANGARA branch came to be assigned the code IDIB000R108.
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 IDIB000R108, money simply cannot be routed to the RAMANKULANGARA branch electronically.
How to transfer money using IFSC IDIB000R108
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 IDIB000R108 across all three.
NEFT to Indian Bank, RAMANKULANGARA using IFSC IDIB000R108
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 IDIB000R108, and confirm that the system picks up Indian Bank – RAMANKULANGARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAMANKULANGARA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Bank's RAMANKULANGARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDIB000R108 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – RAMANKULANGARA, use IMPS. With IFSC IDIB000R108 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 Ramankulangara
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 IDIB000R108:
- 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 RAMANKULANGARA is still linked to IFSC IDIB000R108.
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 IDIB000R108
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 – RAMANKULANGARA is still mapped to IFSC IDIB000R108. 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 IDIB000R108 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ramankulangara branch is mapped to IFSC IDIB000R108 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 IDIB000R108.
Products and services
Customers walking into the Ramankulangara 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 IDIB000R108
MICR & cheque-truncation details
Cheques drawn on the Ramankulangara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IDIB000R108 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IDIB000R108
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the RAMANKULANGARA 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 IDIB000R108 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.
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 – RAMANKULANGARA:
- The IFSC is exactly IDIB000R108 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 RAMANKULANGARA 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.
Reaching the branch
The Ramankulangara branch sits at GROUND FLOOR SHIVAGIRI TOWERS VELAYITTAMBALAM KAVANAD PO PIN 691003. If you are travelling from outside Velayittambalam, search for the branch on a maps application using the bank name and locality, or call 474-2797070 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 IDIB000R108 and your account number.
Verifying IFSC IDIB000R108 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 IDIB000R108 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 474-2797070.
- 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 Ramankulangara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000R108, however, work 24x7.
Branch address & contact
Indian BankRamankulangara Branch
GROUND FLOOR SHIVAGIRI TOWERS VELAYITTAMBALAM KAVANAD PO PIN 691003
Velayittambalam, Kerala
Phone: 474-2797070
IFSC: IDIB000R108
Frequently asked questions
What is the phone number of Indian Bank Ramankulangara branch?
You can reach the branch at 474-2797070 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 Ramankulangara branch but serve different purposes.
Is IFSC IDIB000R108 valid for NEFT and RTGS?
Yes. IFSC IDIB000R108 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Bank Ramankulangara branch located?
Indian Bank's Ramankulangara branch is located at GROUND FLOOR SHIVAGIRI TOWERS VELAYITTAMBALAM KAVANAD PO PIN 691003, Velayittambalam, Kerala.
Is IFSC IDIB000R108 the same for all accounts at Ramankulangara branch?
Yes. The IFSC IDIB000R108 is shared by every account held at Indian Bank's Ramankulangara branch. Only the account number changes from customer to customer.
How do I add Indian Bank Ramankulangara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000R108, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Ramankulangara branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 474-2797070 to confirm.
Final notes
To recap: IDIB000R108 is the IFSC code of Indian Bank, RAMANKULANGARA branch, in VELAYITTAMBALAM, 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.
