If you are searching for the IFSC code of Indian Overseas Bank, AVELLALAPATTI branch in A.VELLALAPATTY, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0000902. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AVELLALAPATTI branch, and detailed step-by-step guides for using the IFSC IOBA0000902 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's AVELLALAPATTI branch, the IFSC IOBA0000902 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000902 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Avellalapatti branch in A.Vellalapatty, Tamil Nadu is part of this network and uses the IFSC code IOBA0000902 for all electronic settlement.
About this branch
The branch is located at NO 1-97, WARD NO 11,SELLIAMMAN KOIL STREET, A VELLALAPATTI, MELUR TALUK -625 303. It serves the A.Vellalapatty 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 Overseas Bank. The IFSC IOBA0000902 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Avellalapatti |
| IFSC Code | IOBA0000902 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 1-97, WARD NO 11,SELLIAMMAN KOIL STREET, A VELLALAPATTI, MELUR TALUK -625 303 |
| City | A.Vellalapatty |
| District | Madurai |
| State | Tamil Nadu |
| STD Code | 0 |
| Phone | 2425036 |
Why every Indian Overseas Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including AVELLALAPATTI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000902 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IOBA0000902 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Avellalapatti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000902 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0000902
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 IOBA0000902 across all three.
NEFT to Indian Overseas Bank, AVELLALAPATTI using IFSC IOBA0000902
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 IOBA0000902, and confirm that the system picks up Indian Overseas Bank – AVELLALAPATTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AVELLALAPATTI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's AVELLALAPATTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000902 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank AVELLALAPATTI (IFSC IOBA0000902)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000902 in your mobile or internet banking app, and the money is credited to the AVELLALAPATTI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000902 for Indian Overseas Bank – AVELLALAPATTI, 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 – IOBA0000902 | Yes – IOBA0000902 | Yes – IOBA0000902 |
For most retail customers crediting the Avellalapatti 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Overseas Bank's AVELLALAPATTI branch, the IFSC IOBA0000902 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Avellalapatti branch is mapped to IFSC IOBA0000902 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian Overseas Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains IOBA0000902.
Products and services
Customers walking into the Avellalapatti branch can access most of Indian Overseas Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IOBA0000902
Digital banking channels
Most day-to-day work that customers used to do at the Avellalapatti branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0000902 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Avellalapatti branch
The branch is located at NO 1-97, WARD NO 11,SELLIAMMAN KOIL STREET, A VELLALAPATTI, MELUR TALUK -625 303, which puts it inside A.Vellalapatty, the broader Madurai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Avellalapatti branch” — the verified location pin for IFSC IOBA0000902 should appear at the top of the results.
- Confirm the branch is open by calling 2425036 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IOBA0000902 and your account number.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Overseas Bank – AVELLALAPATTI:
- The IFSC is exactly IOBA0000902 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Overseas Bank as the bank name and AVELLALAPATTI as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Working hours
Branch counters at Avellalapatti are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IOBA0000902 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000902 for Indian Overseas Bank – AVELLALAPATTI, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Indian Overseas BankAvellalapatti Branch
NO 1-97, WARD NO 11,SELLIAMMAN KOIL STREET, A VELLALAPATTI, MELUR TALUK -625 303
A.Vellalapatty, Tamil Nadu
Phone: 2425036
IFSC: IOBA0000902
Frequently asked questions
How quickly will an NEFT transfer using IOBA0000902 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Avellalapatti reflect within 30 minutes.
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 Avellalapatti branch but serve different purposes.
Where is Indian Overseas Bank Avellalapatti branch located?
Indian Overseas Bank's Avellalapatti branch is located at NO 1-97, WARD NO 11,SELLIAMMAN KOIL STREET, A VELLALAPATTI, MELUR TALUK -625 303, A.Vellalapatty, Tamil Nadu.
What is the IFSC code of Indian Overseas Bank Avellalapatti branch?
The IFSC code of Indian Overseas Bank, Avellalapatti branch is IOBA0000902. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Avellalapatti branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2425036 to confirm.
Is IFSC IOBA0000902 the same for all accounts at Avellalapatti branch?
Yes. The IFSC IOBA0000902 is shared by every account held at Indian Overseas Bank's Avellalapatti branch. Only the account number changes from customer to customer.
Is IFSC IOBA0000902 valid for NEFT and RTGS?
Yes. IFSC IOBA0000902 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IOBA0000902 belongs to Indian Overseas Bank's AVELLALAPATTI branch, located at NO 1-97, WARD NO 11,SELLIAMMAN KOIL STREET, A VELLALAPATTI, MELUR TALUK -625 303 in A.VELLALAPATTY, TAMIL NADU. 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.
