Below are the complete branch details for Indian Overseas Bank, ADOOR branch, located in ADOOR, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001028. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0001028 for Indian Overseas Bank – ADOOR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IOBA0001028 is the IFSC of Indian Overseas Bank's ADOOR branch. The format is fixed: IOBA = bank code, 0 = reserved, 001028 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Adoor |
| IFSC Code | IOBA0001028 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 544 BY 17A,I FLOOR,C G BUILDING,CENTRAL ADOOR,PIN 691523 |
| City | Adoor |
| District | Kasaragod |
| State | Kerala |
| STD Code | 4734 |
| Phone | 4224533 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Adoor branch in Adoor. 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, IOBA0001028.
About this branch
The branch is located at 544 BY 17A,I FLOOR,C G BUILDING,CENTRAL ADOOR,PIN 691523. It serves the Adoor 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 IOBA0001028 is used to identify this branch on the RBI payments network.
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 ADOOR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001028 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 IOBA0001028 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0001028
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 IOBA0001028 across all three.
How to use IFSC IOBA0001028 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's ADOOR 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 IOBA0001028.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as ADOOR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0001028
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – ADOOR, ensure your bank's portal accepts IFSC IOBA0001028 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – ADOOR, use IMPS. With IFSC IOBA0001028 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 Adoor
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 IOBA0001028:
- 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 ADOOR is still linked to IFSC IOBA0001028.
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 IOBA0001028
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 – ADOOR is still mapped to IFSC IOBA0001028. 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 IOBA0001028 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Adoor branch is mapped to IFSC IOBA0001028 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 IOBA0001028.
Products and services
Customers walking into the Adoor 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 IOBA0001028
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Overseas Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IOBA0001028 and the account number together uniquely identify the Adoor branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0001028
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ADOOR 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 IOBA0001028 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.
Common mistakes to avoid when using IFSC IOBA0001028
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Overseas Bank – ADOOR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IOBA0001028. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Adoor branch
The branch is located at 544 BY 17A,I FLOOR,C G BUILDING,CENTRAL ADOOR,PIN 691523, which puts it inside Adoor, the broader Kasaragod district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Adoor branch” — the verified location pin for IFSC IOBA0001028 should appear at the top of the results.
- Confirm the branch is open by calling 4734-4224533 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 IOBA0001028 and your account number.
Verifying IFSC IOBA0001028 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 IOBA0001028 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4734-4224533.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Adoor 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 IOBA0001028 continue to work without interruption.
Branch address & contact
Indian Overseas BankAdoor Branch
544 BY 17A,I FLOOR,C G BUILDING,CENTRAL ADOOR,PIN 691523
Adoor, Kerala
Phone: 4734-4224533
IFSC: IOBA0001028
Frequently asked questions
Can I use IFSC IOBA0001028 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001028 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Adoor branch?
The IFSC code of Indian Overseas Bank, Adoor branch is IOBA0001028. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Adoor branch but serve different purposes.
Is IFSC IOBA0001028 valid for NEFT and RTGS?
Yes. IFSC IOBA0001028 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Adoor as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001028, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Adoor branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4734-4224533 to confirm.
How quickly will an NEFT transfer using IOBA0001028 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Adoor reflect within 30 minutes.
Is IFSC IOBA0001028 the same for all accounts at Adoor branch?
Yes. The IFSC IOBA0001028 is shared by every account held at Indian Overseas Bank's Adoor branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0001028 belongs to Indian Overseas Bank's ADOOR branch, located at 544 BY 17A,I FLOOR,C G BUILDING,CENTRAL ADOOR,PIN 691523 in ADOOR, KERALA. 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.
