Last updated on: August 6, 2025

Indian Bank IFSC Code: 2025 Guide

In 2025, when digital banking is a second nature in India, it is high time that you learn how to use your Indian Bank IFSC code. Whether it is paying utility bills online, purchasing groceries on Flipkart, or sending money to family on UPI apps, the IFSC code is an essential component of every modern banking transaction. This detailed article will address all your questions regarding Indian Bank IFSC codes, how they work, how to find them, and why they are important to you as a customer.

What is the Indian Bank IFSC Code?

IFSC stands for “Indian Financial System Code.” It’s an alphanumeric code uniquely identifying every bank branch in India, regulated by the Reserve Bank of India (RBI). Like all other banks, the IFSC code is necessary in NEFT, RTGS, IMPS, and UPI transactions in Indian Bank.

Why is the IFSC Code Important in 2025?

The IFSC code is a compulsory requirement of anyone making digital payments. You cannot transfer funds between banks, make payments to vendors online, or even auto-debit online subscriptions without having the correct IFSC. Mistyping an IFSC can result in money being held up, delayed or returned- accuracy is important.

What is the Indian Bank IFSC Code Structure?

All Indian Bank IFSC codes are 11 characters:

• The first 4 letters represent the bank name (“IDIB” for Indian Bank).
• The 5th character is always zero (“0”)—reserved for future use.
• The final 6 figures indicate the particular branch.

Example:
IDIB000K005

• ID: Indian Bank
• 0 = Reserved
• 00K005 = Branch code (Kotturpuram, Chennai, for instance)

The Indian Bank IFSC code works on the basis of transactions.
Each time you make a transfer via NEFT, IMPS, RTGS or UPI, the IFSC code is used to tell the system where to send your money.

What Occurs When You Type Incorrect IFSC Code?

• Money is not sent to wrong person: In case of wrong Account Number or IFSC, the transaction fails and the amount is sent back to your account.
• Delays are possible: The refund may take 3-5 working days.
• Contact your bank: Whenever you are confused, always call the Indian Bank customer care to clarify.

How to Locate Your Indian Bank IFSC Code in 2025

Finding the IFSC code is much simpler than it used to be a few years ago. These are sure methods:

1. Indian Bank Passbook and Chequebook
   Your IFSC code is printed on the first page of your passbook and at the top of every cheque leaf.

2. Indian Bank Web site & Net Banking

   • Go to www.indianbank.in.
   • Click on ‘Branch Locator’.
   • Enter your branch details (area name, city).
   • The findings show IFSC codes, branch address, working hours, etc.

3. RBI Official IFSC Directory
   The master list of IFSC codes is updated regularly by the Reserve Bank of India on its official site.

4. Mobile Banking Apps

   • Open Indian Bank’s mobile app (INDOASIS).
   • Click on Account Details or Branch Info.
   • Your account information includes the FSC code.

5. Customer Care & Email

   • Call Indian Bank’s toll-free helpline (180042500000).
   • Enter your account/branch information.
   • They will confirm and publish the IFSC of your branch.

6. Online Marketplaces & Third Party Service Providers
   A variety of payment platforms such as Paytm, PhonePe, and Paisabazaar show branch IFSC codes to make payments conveniently. Always verify with official sources.

The Uses of Indian Bank IFSC Code in 2025

• Sending money (NEFT/IMPS/RTGS/UPI transfers)
• Receiving salary or government subsidy DBT
• Paying utility bills or credit card bills through internet
• Including beneficiaries of fund transfers
• Shopping online with cashless transactions
• Establishing ECS, EMI debiting or investment SIPs

What is the difference between FSC Code and MICR and SWIFT?

Quick Tip:
Use IFSC to transfer funds in India, MICR to transfer cheques, and SWIFT to transfer funds abroad.

What IF Your Branch IFSC Code Has Changed?

Since 2020, many bank mergers and branch upgrades have occurred, and as such, the IFSC codes of some Indian Bank branches have changed.

• Customers are informed of any change via SMS/email.
• You must change the current payee and beneficiary information in the mobile/net banking.
• Always check the latest IFSC on the Indian Bank site or RBI list in case you get a notice or your transaction fails.

How to Add a Beneficiary on Indian Bank IFSC

Here’s a step-by-step example:

1. Log in to your mobile/net banking application.
2. Click “Add Beneficiary” or “Add Payee.”
3. Enter the beneficiary’s name, account number, and their branch’s IFSC code (e.g., IDIB000T063).
4. The bank can send an OTP to your mobile.
5. Full verification and await approval- usually instant or within 30 mins.
6. You are now able to send money to your maximum daily limit, immediately or at a later date.

How to check the correctness of an Indian Bank IFSC Code?

• Official sources: It is always advisable to cross-check on the Indian Bank Branch Locator, RBI directory, or the account details section of your app.
• Third-party aggregators: Only in large platforms with a reputation to lose.
• Never believe in random lists, Google images, or forwarded WhatsApp messages.

Real-Life Applications and Experiences

As a personal and business banker, I have discovered the following:

• When my branch changed its IFSC in 2021, I had to update it in all my payment apps; otherwise, my auto-debits to mutual funds were failing.
• In assisting my mother to use UPI, the IFSC is not necessary to make most day-to-day payments…but it is essential when connecting a new account or configuring the traditional NEFT/RTGS transfers on netbanking.
• In freelance work, whenever a new client was to pay via NEFT, I would provide the IFSC to the accounts department of the client to process the payment- accuracy is key.

Indian Bank IFSC in Online Shopping Apps and Bill Payments

• When adding a new bank account to withdraw money in Paytm, MobiKwik, and Amazon Pay, they require your IFSC.
• When refunding large-value orders to your bank account, Flipkart and Myntra may ask you to provide account and IFSC details.
• All online insurance services, mutual funds SIPs, and even Aadhaar linking require the right IFSC to facilitate credit and debit.

How Indian Bank Provides IFSC Security

• The IFSC is not dangerous in itself-it is only in conjunction with your account number that it can be used to transfer funds.
• Do not share your OTP, debit card PIN, or netbanking password; banks will never ask.
• In case you share IFSC in error, without account details, no damage is possible.
• Indian Bank will send you an SMS/email to warn you about each transaction.

Tips to Remember Your Indian Bank IFSC Code

• Take a picture of your chequebook/passbook front page.
• Add your own IFSC code as self-beneficiary in payment apps to easily find.
• Use mobile apps to paste and copy the IFSC when needed.

Which are the most popular Indian bank IFSC codes?

The most requested IFSC codes of Indian Bank, based on the customer support requests and online payments statistics, are as follows:

Troubleshooting: IFSC Code Not Working or Transaction Failed?

What are you to Self?

• Re-verify the IFSC entered on the bank/official RBI site.
• Inquire with your branch about a recent merger or code update.
• After deleting cookies/restarting your banking app.
• In case it does not work, call Indian Bank customer care and provide your account and the IFSC code that is not working.

Key Takeaways of 2025 Indian Bank Customers

• Always enter the current IFSC code of your branch when making online or app-based fund transfers.
• Verify IFSC with reliable sources before communicating to anyone or filling online forms.
• In case of a failed transaction, contact the Indian Bank support as soon as possible.

Quick Summary / TLDR

• The Indian Bank IFSC code is a unique code that identifies your branch in India to make secure online banking.
• It is mandatory in NEFT, RTGS, IMPS, and most bill payment apps.
• You can locate your IFSC code in your passbook, Indian Bank’s site, official RBI lists or banking applications.
• Always verify and enter the right IFSC code–incorrect codes result in delays or failed transfers.
• In case of any IFSC or transaction related problems, you should contact the Indian Bank customer care.

Questions Also Asked

Q1. What is my Indian Bank IFSC code?
A. It is a 11-digit code printed on your passbook or it is available on the Indian Bank website- ‘IDIB’ + ‘0’ + 6-digit code of your branch.

Q2. Where do I put the IFSC code to send money online?
A. You’ll enter your (or the beneficiary’s) IFSC code while adding a new recipient in mobile/net banking for NEFT, RTGS, or IMPS settlements.

Q3. Can I share my Indian Bank IFSC code and account number?
A. These are required to credit money to your account. Never disclose your passwords, PINs, or OTPs.

Q4. Will I have to change my IFSC code in case of a merger of my branch?
A. Yes, you need to change the new IFSC in all the payment platforms and to your employer or payees.

Q5. How much time does it take before an Indian Bank IFSC code change is reflected in payments?
Typically within hours of update, but always check with your branch and update all relevant apps/beneficiary records.

Q6. What is the quickest way to QUICKLY finding my Indian Bank IFSC code?
A. Use your passbook, cheque, Indian Bank’s branch locator tool, or check with your branch.

Q7. What will be the consequence of me entering a wrong IFSC code?
A. The transaction does not go through and money is returned–usually no loss, only delay.

In 2025, knowing the correct IFSC code of your branch is the best way to make secure, timely, and smooth digital transactions using Indian Bank.