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Indusind Bank

JOS JUNCTION ERNAKULAM BRANCH

+914844392132

IFSC CODE
INDB0002170
MICR Code 682234021
Branch Code 002170
City / District ERNAKULAM
State KERALA
Office Address GROUND FLOOR 62 1160 MOOLAPAT BUILDING MAHATMA GANDHI ROAD JOS JUNCTION PALLIMUKKU ERNAKULAM 682016
Phone +914844392132
📍 View Branch on Google Maps

Understanding IFSC Code: The Digital DNA of Indusind Bank

When performing any digital transaction in India, the Indian Financial System Code (IFSC) acts as a critical identifier. For the JOS JUNCTION ERNAKULAM branch of Indusind Bank, the code INDB0002170 ensures that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual errors. In an era of instant payments, having the correct IFSC is as important as the account number itself.

Anatomy of the INDB0002170 Code

An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:

First 4

Bank Identity

"INDB" represents Indusind Bank

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

Branch Locator

Unique code for JOS JUNCTION ERNAKULAM

Payment Systems Supported by INDB0002170

System Transfer Limit Processing Time
NEFT No Minimum (Up to ₹50 Lakhs+) Half-hourly batches (24x7)
RTGS Minimum ₹2 Lakhs Real-time settlement
IMPS Up to ₹5 Lakhs Instant (Mobile/P2P)

Why do you need the MICR Code?

While IFSC is for digital transfers, the Magnetic Ink Character Recognition (MICR) code—682234021—is primarily used for the processing and clearance of physical cheques. This 9-digit code helps in identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing faster and error-free.

Bank Holidays & Availability

The Indusind Bank in ERNAKULAM typically follows the RBI holiday calendar. Digital transfers via INDB0002170 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.

Security Warning & Verification

Always verify the branch details before making a large payment. While INDB0002170 is the valid code for JOS JUNCTION ERNAKULAM at ERNAKULAM, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

Related Searches

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Financial Tools

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Branch Context

  • • JOS JUNCTION ERNAKULAM Contact
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  • • MICR Code Finder
  • • KERALA Banking Circle

Platform Links

  • • Anand Design DevBox
  • • SEO Performance Hub
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  • • IFSC Finder v2.0

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