Use this page as a one-stop reference for everything related to Indian Overseas Bank's ABHIRAMAM branch in ABHIRAMAM, TAMIL NADU. The branch's IFSC code IOBA0000239 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0000239 is the IFSC of Indian Overseas Bank's ABHIRAMAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 000239 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Abhiramam branch in Abhiramam. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0000239.
About this branch
The branch is located at 77 MUSLIM BAZAAR ROAD ABHIRAMAM PIN 623601. It serves the Abhiramam 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 IOBA0000239 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Abhiramam |
| IFSC Code | IOBA0000239 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 77 MUSLIM BAZAAR ROAD ABHIRAMAM PIN 623601 |
| City | Abhiramam |
| District | Ramanathapuram |
| State | Tamil Nadu |
| STD Code | 4576 |
| Phone | 265223 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Overseas Bank's ABHIRAMAM branch came to be assigned the code IOBA0000239.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IOBA0000239, money simply cannot be routed to the ABHIRAMAM branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Abhiramam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000239 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 IOBA0000239
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 IOBA0000239 across all three.
How to use IFSC IOBA0000239 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's ABHIRAMAM branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0000239.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as ABHIRAMAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to ABHIRAMAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's ABHIRAMAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000239 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – ABHIRAMAM, use IMPS. With IFSC IOBA0000239 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Abhiramam
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0000239:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at ABHIRAMAM is still linked to IFSC IOBA0000239.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC IOBA0000239
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Overseas Bank – ABHIRAMAM is still mapped to IFSC IOBA0000239. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IOBA0000239 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Abhiramam branch is mapped to IFSC IOBA0000239 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 IOBA0000239.
Products and services
Customers walking into the Abhiramam 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 IOBA0000239
Online banking and IFSC IOBA0000239
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ABHIRAMAM branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IOBA0000239 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
How to reach the Abhiramam branch
The branch is located at 77 MUSLIM BAZAAR ROAD ABHIRAMAM PIN 623601, which puts it inside Abhiramam, the broader Ramanathapuram district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Abhiramam branch” — the verified location pin for IFSC IOBA0000239 should appear at the top of the results.
- Confirm the branch is open by calling 4576-265223 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 IOBA0000239 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 – ABHIRAMAM:
- The IFSC is exactly IOBA0000239 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 ABHIRAMAM 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 Abhiramam 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 IOBA0000239 continue to work without interruption.
Verifying IFSC IOBA0000239 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IOBA0000239 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4576-265223.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankAbhiramam Branch
77 MUSLIM BAZAAR ROAD ABHIRAMAM PIN 623601
Abhiramam, Tamil Nadu
Phone: 4576-265223
IFSC: IOBA0000239
Frequently asked questions
How do I add Indian Overseas Bank Abhiramam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000239, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Abhiramam branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0000239 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Abhiramam reflect within 30 minutes.
Is IFSC IOBA0000239 the same for all accounts at Abhiramam branch?
Yes. The IFSC IOBA0000239 is shared by every account held at Indian Overseas Bank's Abhiramam branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0000239 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000239 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Abhiramam branch?
The IFSC code of Indian Overseas Bank, Abhiramam branch is IOBA0000239. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Abhiramam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4576-265223 to confirm.
Where is Indian Overseas Bank Abhiramam branch located?
Indian Overseas Bank's Abhiramam branch is located at 77 MUSLIM BAZAAR ROAD ABHIRAMAM PIN 623601, Abhiramam, Tamil Nadu.
Summary
The IFSC code IOBA0000239 belongs to Indian Overseas Bank's ABHIRAMAM branch, located at 77 MUSLIM BAZAAR ROAD ABHIRAMAM PIN 623601 in ABHIRAMAM, 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.
