Overview of IFSC Code IDIB000K174: The IFSC code IDIB000K174 uniquely identifies the Indian Bank branch located at Kalpetta in the Wayanad district of Kerala. This 11-digit alphanumeric code is mandatory for routing electronic fund transfers like NEFT, RTGS, and IMPS to the correct bank account.

IFSC Code IDIB000K174 - Indian Bank Kalpetta

IDIB000K174 Indian Bank Chungam Wayanad Kerala

TRIDENT ARCADE PINANGODE ROAD CHUNGAM KALPETTA PIN 673121

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Quick Info

IFSC: IDIB000K174

Pincode: 673121

District: Wayanad

Status: Active

About Indian Bank Kalpetta

IFSC Code IDIB000K174 belongs to Indian Bank Kalpetta branch located in Chungam, Wayanad, Kerala. This branch serves customers in Chungam, Wayanad, Kerala and surrounding areas.

Understanding IFSC Code IDIB000K174

The IFSC (Indian Financial System Code) IDIB000K174 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 (00K174): Unique branch identifier for Kalpetta
Electronic Fund Transfer Services

IFSC Code IDIB000K174 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 Kalpetta branch is located at TRIDENT ARCADE PINANGODE ROAD CHUNGAM KALPETTA PIN 673121 (Pincode: 673121) in Chungam, Wayanad, Kerala. This location serves customers in Chungam, Wayanad, Kerala and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code IDIB000K174 to ensure the transaction is routed correctly.

How to Use IFSC Code IDIB000K174

When making online fund transfers to an account at this branch, you will need:

  1. IFSC Code: IDIB000K174 (for NEFT, RTGS, IMPS)
  2. Account Number: The recipient's account number
  3. Account Holder Name: As registered with the bank
Important: Always verify the IFSC code before initiating any fund transfer. Incorrect IFSC codes can result in failed transactions or funds being sent to the wrong branch. This IFSC code information is verified from official Reserve Bank of India (RBI) records and is updated regularly to ensure accuracy.
Finding Other Indian Bank Branches

If you're looking for other Indian Bank branches in Chungam, Wayanad, Kerala 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: IDIB000K174
Bank Name: Indian Bank
Branch Name: Kalpetta
Address: TRIDENT ARCADE PINANGODE ROAD CHUNGAM KALPETTA PIN 673121
City: Chungam
District: Wayanad
State: Kerala
Pincode: 673121
Payment Services Available
NEFT
Available
RTGS
Available
IMPS
Available
UPI
Available
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Indian Bank Kalpetta Branch IFSC Code IDIB000K174 — Complete Banking Guide for Chungam, Kerala

IFSC code IDIB000K174 belongs to the Kalpetta branch of Indian Bank in Chungam, Wayanad district, Kerala. 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 IDIB000K174 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, Kalpetta Branch

The Kalpetta branch of Indian Bank in Chungam, Kerala serves retail and corporate customers in Wayanad 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 IDIB000K174 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC IDIB000K174

Four primary digital payment rails use IFSC IDIB000K174 for transfers to Indian Bank, Kalpetta: 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 IDIB000K174 against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Kalpetta branch of Indian Bank in Chungam 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 IDIB000K174 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 IDIB000K174 Before Transferring

Before initiating any high-value transfer to IFSC IDIB000K174, 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 Kalpetta, Chungam IFSC

What is the IFSC of Indian Bank Kalpetta in Chungam?

The IFSC of Indian Bank, Kalpetta branch in Chungam, Kerala is IDIB000K174. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.

What is the minimum amount for NEFT to IFSC IDIB000K174?

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 IDIB000K174 to route funds to Indian Bank, Kalpetta, Chungam.

Who assigns IFSC codes like IDIB000K174?

The Reserve Bank of India (RBI) assigns all IFSC codes in India. Indian Bank applied for the IFSC for its Kalpetta branch in Chungam, and RBI issued IDIB000K174 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.

Can I use IFSC IDIB000K174 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 IDIB000K174 at Indian Bank, Kalpetta, Chungam. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC IDIB000K174.

About IFSC Code IDIB000K174

IFSC Code IDIB000K174 belongs to Indian Bank branch Kalpetta located in Chungam, Wayanad, Kerala.

Branch Information

  • IFSC Code: IDIB000K174
  • Bank: Indian Bank
  • Branch: Kalpetta
  • Address: TRIDENT ARCADE PINANGODE ROAD CHUNGAM KALPETTA PIN 673121
  • City: Chungam
  • District: Wayanad
  • State: Kerala
  • Pincode: 673121

Payment Services

  • NEFT: Available
  • RTGS: Available
  • IMPS: Available
  • UPI: Available
Note: IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic fund transfers (NEFT, RTGS, IMPS). Always verify the IFSC code before initiating any transaction.

Frequently Asked Questions

IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. You can find IFSC code using our IFSC code search tool by entering the bank name, branch name, or the IFSC code itself.

To check IFSC code, use our IFSC code search tool. Enter the bank name and branch name, or search by IFSC code directly. You can also find banks near me by searching with your location.

IFSC code format consists of 11 characters: first 4 characters represent the bank name, followed by a zero (0), and the last 6 characters represent the branch code. For example, HDFC0001234 where HDFC is the bank code and 001234 is the branch code.

To find banks near me, use our IFSC finder tool. Enter your city or location, and we will show you all nearby bank branches with their IFSC codes, addresses, and contact details.

IFSC code is used for electronic fund transfers (NEFT, RTGS, IMPS) and is 11 characters long. MICR code is used for cheque processing and is 9 digits long. Both codes uniquely identify a bank branch.

You can verify IFSC code using our check IFSC code tool. Enter the IFSC code, and we will display the complete branch details including bank name, branch name, address, and available payment services (NEFT, RTGS, IMPS, UPI).

Yes, IFSC code is required for all electronic fund transfer methods including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Our tool shows which services are available for each branch.

To get IFSC code by bank name and branch, use our search tool. Select "Search by Bank & Branch" option, enter the bank name (e.g., Indian Bank) and branch name, and we will display the complete IFSC code details.