Below are the complete branch details for Indian Bank, RING ROAD VIZIANAGARAM branch, located in VIZIANAGARAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IDIB000R118. 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 IDIB000R118 for Indian Bank – RING ROAD VIZIANAGARAM — 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, IDIB000R118 is the IFSC of Indian Bank's RING ROAD VIZIANAGARAM branch. The format is fixed: IDIB = bank code, 0 = reserved, 00R118 = branch identifier.
Branch details at a glance
| Bank Name | Indian Bank |
|---|---|
| Branch | Ring Road Vizianagaram |
| IFSC Code | IDIB000R118 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 2018/136 SREE RAMA NAGAR COLONY NEAR LEE PARADISE FUNCTION HALL 100 FT RING ROAD PIN 535002 |
| City | Vizianagaram |
| District | Vizianagaram |
| State | Andhra Pradesh |
| STD Code | 91 |
| Phone | 7337555601 |
Bank profile
Indian Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ring Road Vizianagaram branch — IFSC IDIB000R118 — extends the bank's services to customers in and around Vizianagaram, Andhra Pradesh.
About this branch
The branch is located at 2018/136 SREE RAMA NAGAR COLONY NEAR LEE PARADISE FUNCTION HALL 100 FT RING ROAD PIN 535002. It serves the Vizianagaram 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 IDIB000R118 is used to identify this branch on the RBI payments network.
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 RING ROAD VIZIANAGARAM branch came to be assigned the code IDIB000R118.
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 IDIB000R118, money simply cannot be routed to the RING ROAD VIZIANAGARAM branch electronically.
How to transfer money using IFSC IDIB000R118
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 IDIB000R118 across all three.
NEFT to Indian Bank, RING ROAD VIZIANAGARAM using IFSC IDIB000R118
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 IDIB000R118, and confirm that the system picks up Indian Bank – RING ROAD VIZIANAGARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IDIB000R118
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 – RING ROAD VIZIANAGARAM, ensure your bank's portal accepts IFSC IDIB000R118 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Bank – RING ROAD VIZIANAGARAM, use IMPS. With IFSC IDIB000R118 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IDIB000R118 for Indian Bank – RING ROAD VIZIANAGARAM, 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 – IDIB000R118 | Yes – IDIB000R118 | Yes – IDIB000R118 |
For most retail customers crediting the Ring Road Vizianagaram 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 IDIB000R118
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 – RING ROAD VIZIANAGARAM is still mapped to IFSC IDIB000R118. 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 IDIB000R118 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ring Road Vizianagaram branch
Once you have an account at Indian Bank – RING ROAD VIZIANAGARAM, the IFSC IDIB000R118 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.
Banking services available
The Ring Road Vizianagaram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7337555601.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IDIB000R118
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 IDIB000R118 and the account number together uniquely identify the Ring Road Vizianagaram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IDIB000R118
Indian Bank customers can register for net banking and the bank's official mobile app once their account at the RING ROAD VIZIANAGARAM 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 IDIB000R118 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.
Common mistakes to avoid when using IFSC IDIB000R118
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 – RING ROAD VIZIANAGARAM, 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:
IDIB000R118. - 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 Ring Road Vizianagaram branch sits at 2018/136 SREE RAMA NAGAR COLONY NEAR LEE PARADISE FUNCTION HALL 100 FT RING ROAD PIN 535002. If you are travelling from outside Vizianagaram, search for the branch on a maps application using the bank name and locality, or call 91-7337555601 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 IDIB000R118 and your account number.
Verifying IFSC IDIB000R118 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 IDIB000R118 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-7337555601.
- 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 Ring Road Vizianagaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IDIB000R118, however, work 24x7.
Branch address & contact
Indian BankRing Road Vizianagaram Branch
2018/136 SREE RAMA NAGAR COLONY NEAR LEE PARADISE FUNCTION HALL 100 FT RING ROAD PIN 535002
Vizianagaram, Andhra Pradesh
Phone: 91-7337555601
IFSC: IDIB000R118
Frequently asked questions
Can I use IFSC IDIB000R118 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IDIB000R118 to send funds instantly.
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 Ring Road Vizianagaram branch but serve different purposes.
Is IFSC IDIB000R118 valid for NEFT and RTGS?
Yes. IFSC IDIB000R118 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Bank Ring Road Vizianagaram branch located?
Indian Bank's Ring Road Vizianagaram branch is located at 2018/136 SREE RAMA NAGAR COLONY NEAR LEE PARADISE FUNCTION HALL 100 FT RING ROAD PIN 535002, Vizianagaram, Andhra Pradesh.
How do I add Indian Bank Ring Road Vizianagaram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IDIB000R118, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Bank Ring Road Vizianagaram branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-7337555601 to confirm.
What is the phone number of Indian Bank Ring Road Vizianagaram branch?
You can reach the branch at 91-7337555601 during regular banking hours.
How quickly will an NEFT transfer using IDIB000R118 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Bank – Ring Road Vizianagaram reflect within 30 minutes.
Summary
The IFSC code IDIB000R118 belongs to Indian Bank's RING ROAD VIZIANAGARAM branch, located at 2018/136 SREE RAMA NAGAR COLONY NEAR LEE PARADISE FUNCTION HALL 100 FT RING… in VIZIANAGARAM, ANDHRA PRADESH. 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.
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