IFSC Code IDIB000D105 - Indian Bank Digital Banking Unit Karaikal
60/A GROUND FLOOR MARKET STREET KARAIKAL PONDECHERRY 609602
Quick Info
IFSC: IDIB000D105
Pincode: 609602
District: Karaikal
Status: Active
About Indian Bank Digital Banking Unit Karaikal
IFSC Code IDIB000D105 belongs to Indian Bank Digital Banking Unit Karaikal branch located in Karaikal, Karaikal, Pondicherry. This branch serves customers in Karaikal, Karaikal, Pondicherry and surrounding areas.
Understanding IFSC Code IDIB000D105
The IFSC (Indian Financial System Code) IDIB000D105 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (IDIB): Bank code identifying Indian Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (00D105): Unique branch identifier for Digital Banking Unit Karaikal
Electronic Fund Transfer Services
IFSC Code IDIB000D105 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Indian Bank Digital Banking Unit Karaikal branch is located at 60/A GROUND FLOOR MARKET STREET KARAIKAL PONDECHERRY 609602 (Pincode: 609602) in Karaikal, Karaikal, Pondicherry. This location serves customers in Karaikal, Karaikal, Pondicherry and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code IDIB000D105 to ensure the transaction is routed correctly.
How to Use IFSC Code IDIB000D105
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: IDIB000D105 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Indian Bank Branches
If you're looking for other Indian Bank branches in Karaikal, Karaikal, Pondicherry or nearby areas, use our Indian Bank branch finder. You can search by city, district, or state to find all Indian Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | IDIB000D105 |
| Bank Name: | Indian Bank |
| Branch Name: | Digital Banking Unit Karaikal |
| Address: | 60/A GROUND FLOOR MARKET STREET KARAIKAL PONDECHERRY 609602 |
| City: | Karaikal |
| District: | Karaikal |
| State: | Pondicherry |
| Pincode: | 609602 |
Payment Services Available
Indian Bank Digital Banking Unit Karaikal Branch IFSC Code IDIB000D105 — Complete Banking Guide for Karaikal, Pondicherry
IFSC code IDIB000D105 belongs to the Digital Banking Unit Karaikal branch of Indian Bank in Karaikal, Karaikal district, Pondicherry. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC IDIB000D105 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Indian Bank, Digital Banking Unit Karaikal Branch
The Digital Banking Unit Karaikal branch of Indian Bank in Karaikal, Pondicherry serves retail and corporate customers in Karaikal district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC IDIB000D105 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC IDIB000D105
Four primary digital payment rails use IFSC IDIB000D105 for transfers to Indian Bank, Digital Banking Unit Karaikal: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC IDIB000D105 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Digital Banking Unit Karaikal branch of Indian Bank in Karaikal carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC IDIB000D105 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC IDIB000D105 Before Transferring
Before initiating any high-value transfer to IFSC IDIB000D105, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Indian Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Indian Bank Digital Banking Unit Karaikal, Karaikal IFSC
What is the IFSC of Indian Bank Digital Banking Unit Karaikal in Karaikal?
The IFSC of Indian Bank, Digital Banking Unit Karaikal branch in Karaikal, Pondicherry is IDIB000D105. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC IDIB000D105?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC IDIB000D105 to route funds to Indian Bank, Digital Banking Unit Karaikal, Karaikal.
Who assigns IFSC codes like IDIB000D105?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Indian Bank applied for the IFSC for its Digital Banking Unit Karaikal branch in Karaikal, and RBI issued IDIB000D105 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC IDIB000D105 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC IDIB000D105 at Indian Bank, Digital Banking Unit Karaikal, Karaikal. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC IDIB000D105.
About IFSC Code IDIB000D105
IFSC Code IDIB000D105 belongs to Indian Bank branch Digital Banking Unit Karaikal located in Karaikal, Karaikal, Pondicherry.
Branch Information
- IFSC Code: IDIB000D105
- Bank: Indian Bank
- Branch: Digital Banking Unit Karaikal
- Address: 60/A GROUND FLOOR MARKET STREET KARAIKAL PONDECHERRY 609602
- City: Karaikal
- District: Karaikal
- State: Pondicherry
- Pincode: 609602
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available