Below are the complete branch details for Indian Overseas Bank, KOTHAKOTTAI branch, located in ALANGUDI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003302. 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 IOBA0003302 for Indian Overseas Bank – KOTHAKOTTAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Overseas Bank – KOTHAKOTTAI is IOBA0003302. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003302 map to this branch in ALANGUDI, TAMIL NADU.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kothakottai branch in Alangudi, Tamil Nadu is part of this network and uses the IFSC code IOBA0003302 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kothakottai |
| IFSC Code | IOBA0003302 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 242,KOTHAKOTTAI,NEAR VAMBAN NAAL ROAD,KOTHAKOTTAI 622303 |
| City | Alangudi |
| District | Pudukkottai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
About the Kothakottai branch
The Kothakottai branch of Indian Overseas Bank is situated at 242,KOTHAKOTTAI,NEAR VAMBAN NAAL ROAD,KOTHAKOTTAI 622303. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0003302 is used.
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 KOTHAKOTTAI branch came to be assigned the code IOBA0003302.
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 IOBA0003302, money simply cannot be routed to the KOTHAKOTTAI branch electronically.
Account types you can open at the Kothakottai branch
Once you have an account at Indian Overseas Bank – KOTHAKOTTAI, the IFSC IOBA0003302 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Kothakottai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0003302
How to transfer money using IFSC IOBA0003302
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 IOBA0003302 across all three.
How to use IFSC IOBA0003302 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KOTHAKOTTAI 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 IOBA0003302.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KOTHAKOTTAI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0003302
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 – KOTHAKOTTAI, ensure your bank's portal accepts IFSC IOBA0003302 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – KOTHAKOTTAI, use IMPS. With IFSC IOBA0003302 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003302 for Indian Overseas Bank – KOTHAKOTTAI, 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 – IOBA0003302 | Yes – IOBA0003302 | Yes – IOBA0003302 |
For most retail customers crediting the Kothakottai 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.
UPI payments and IFSC IOBA0003302
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 – KOTHAKOTTAI is still mapped to IFSC IOBA0003302. 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 IOBA0003302 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0003302
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KOTHAKOTTAI 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 IOBA0003302 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.
MICR & cheque-truncation details
Cheques drawn on the Kothakottai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003302 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – KOTHAKOTTAI:
- The IFSC is exactly IOBA0003302 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 KOTHAKOTTAI 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.
How to reach the Kothakottai branch
The branch is located at 242,KOTHAKOTTAI,NEAR VAMBAN NAAL ROAD,KOTHAKOTTAI 622303, which puts it inside Alangudi, the broader Pudukkottai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kothakottai branch” — the verified location pin for IFSC IOBA0003302 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0003302 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003302 for Indian Overseas Bank – KOTHAKOTTAI, 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 banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kothakottai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003302, however, work 24x7.
Branch address & contact
Indian Overseas BankKothakottai Branch
242,KOTHAKOTTAI,NEAR VAMBAN NAAL ROAD,KOTHAKOTTAI 622303
Alangudi, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0003302
Frequently asked questions
Does Indian Overseas Bank Kothakottai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Where is Indian Overseas Bank Kothakottai branch located?
Indian Overseas Bank's Kothakottai branch is located at 242,KOTHAKOTTAI,NEAR VAMBAN NAAL ROAD,KOTHAKOTTAI 622303, Alangudi, Tamil Nadu.
How quickly will an NEFT transfer using IOBA0003302 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kothakottai reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Kothakottai branch?
You can reach the branch at 44-28584896 during regular banking hours.
How do I add Indian Overseas Bank Kothakottai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003302, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003302 valid for NEFT and RTGS?
Yes. IFSC IOBA0003302 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IOBA0003302 belongs to Indian Overseas Bank's KOTHAKOTTAI branch, located at 242,KOTHAKOTTAI,NEAR VAMBAN NAAL ROAD,KOTHAKOTTAI 622303 in ALANGUDI, 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.
