Use this page as a one-stop reference for everything related to Indian Overseas Bank's PUTHUCODE branch in ALATHUR, KERALA. The branch's IFSC code IOBA0001272 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, IOBA0001272 is the IFSC of Indian Overseas Bank's PUTHUCODE branch. The format is fixed: IOBA = bank code, 0 = reserved, 001272 = branch identifier.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Puthucode branch in Alathur, Kerala is part of this network and uses the IFSC code IOBA0001272 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Puthucode |
| IFSC Code | IOBA0001272 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 8 BY 192 ANJUMURI,PUTHUCODE,ALATHUR TALUK,PUTHUCODE PIN 678687 |
| City | Alathur |
| District | Ernakulam |
| State | Kerala |
| STD Code | 4922 |
| Phone | 267231 |
About this branch
The branch is located at 8 BY 192 ANJUMURI,PUTHUCODE,ALATHUR TALUK,PUTHUCODE PIN 678687. It serves the Alathur 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 IOBA0001272 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 PUTHUCODE of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001272 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 IOBA0001272 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Puthucode branch
Once you have an account at Indian Overseas Bank – PUTHUCODE, the IFSC IOBA0001272 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.
Products and services
Customers walking into the Puthucode 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 IOBA0001272
How to transfer money using IFSC IOBA0001272
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 IOBA0001272 across all three.
NEFT to Indian Overseas Bank, PUTHUCODE using IFSC IOBA0001272
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 IOBA0001272, and confirm that the system picks up Indian Overseas Bank – PUTHUCODE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PUTHUCODE
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's PUTHUCODE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001272 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank PUTHUCODE (IFSC IOBA0001272)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001272 in your mobile or internet banking app, and the money is credited to the PUTHUCODE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0001272 for Indian Overseas Bank – PUTHUCODE, 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 – IOBA0001272 | Yes – IOBA0001272 | Yes – IOBA0001272 |
For most retail customers crediting the Puthucode 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 PUTHUCODE branch, the IFSC IOBA0001272 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.
Online banking and IFSC IOBA0001272
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the PUTHUCODE 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 IOBA0001272 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 Puthucode branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001272 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0001272
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 – PUTHUCODE, 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:
IOBA0001272. - 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.
Reaching the branch
The Puthucode branch sits at 8 BY 192 ANJUMURI,PUTHUCODE,ALATHUR TALUK,PUTHUCODE PIN 678687. If you are travelling from outside Alathur, search for the branch on a maps application using the bank name and locality, or call 4922-267231 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IOBA0001272 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001272 for Indian Overseas Bank – PUTHUCODE, 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.
Working hours
Branch counters at Puthucode 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 IOBA0001272 continue to work without interruption.
Branch address & contact
Indian Overseas BankPuthucode Branch
8 BY 192 ANJUMURI,PUTHUCODE,ALATHUR TALUK,PUTHUCODE PIN 678687
Alathur, Kerala
Phone: 4922-267231
IFSC: IOBA0001272
Frequently asked questions
Is IFSC IOBA0001272 the same for all accounts at Puthucode branch?
Yes. The IFSC IOBA0001272 is shared by every account held at Indian Overseas Bank's Puthucode branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Puthucode branch?
You can reach the branch at 4922-267231 during regular banking hours.
How do I add Indian Overseas Bank Puthucode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001272, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0001272 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001272 to send funds instantly.
Is IFSC IOBA0001272 valid for NEFT and RTGS?
Yes. IFSC IOBA0001272 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Puthucode branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4922-267231 to confirm.
Summary
The IFSC code IOBA0001272 belongs to Indian Overseas Bank's PUTHUCODE branch, located at 8 BY 192 ANJUMURI,PUTHUCODE,ALATHUR TALUK,PUTHUCODE PIN 678687 in ALATHUR, 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.
