Use this page as a one-stop reference for everything related to Indian Overseas Bank's ARASARKULAM branch in ARANTANGI, TAMIL NADU. The branch's IFSC code IOBA0002730 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.
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 ARASARKULAM branch, the IFSC IOBA0002730 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002730 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Arasarkulam branch in Arantangi. 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, IOBA0002730.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Arasarkulam |
| IFSC Code | IOBA0002730 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 99BY14 STATE BANK ROAD,ARASARKULAM 614801 |
| City | Arantangi |
| District | Pudukkottai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
About this branch
The branch is located at 99BY14 STATE BANK ROAD,ARASARKULAM 614801. It serves the Arantangi 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 IOBA0002730 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 ARASARKULAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002730 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 IOBA0002730 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 Arasarkulam branch
Once you have an account at Indian Overseas Bank – ARASARKULAM, the IFSC IOBA0002730 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 Arasarkulam 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 IOBA0002730
How to transfer money using IFSC IOBA0002730
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 IOBA0002730 across all three.
NEFT to Indian Overseas Bank, ARASARKULAM using IFSC IOBA0002730
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 IOBA0002730, and confirm that the system picks up Indian Overseas Bank – ARASARKULAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ARASARKULAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's ARASARKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002730 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank ARASARKULAM (IFSC IOBA0002730)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002730 in your mobile or internet banking app, and the money is credited to the ARASARKULAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002730 for Indian Overseas Bank – ARASARKULAM, 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 – IOBA0002730 | Yes – IOBA0002730 | Yes – IOBA0002730 |
For most retail customers crediting the Arasarkulam 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 ARASARKULAM branch, the IFSC IOBA0002730 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.
Digital banking channels
Most day-to-day work that customers used to do at the Arasarkulam 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 IOBA0002730 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.
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 IOBA0002730 and the account number together uniquely identify the Arasarkulam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – ARASARKULAM:
- The IFSC is exactly IOBA0002730 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 ARASARKULAM 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 Arasarkulam branch
The branch is located at 99BY14 STATE BANK ROAD,ARASARKULAM 614801, which puts it inside Arantangi, 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 Arasarkulam branch” — the verified location pin for IFSC IOBA0002730 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 IOBA0002730 and your account number.
Verifying IFSC IOBA0002730 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 IOBA0002730 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Arasarkulam 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 IOBA0002730 continue to work without interruption.
Branch address & contact
Indian Overseas BankArasarkulam Branch
99BY14 STATE BANK ROAD,ARASARKULAM 614801
Arantangi, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0002730
Frequently asked questions
Where is Indian Overseas Bank Arasarkulam branch located?
Indian Overseas Bank's Arasarkulam branch is located at 99BY14 STATE BANK ROAD,ARASARKULAM 614801, Arantangi, Tamil Nadu.
How do I add Indian Overseas Bank Arasarkulam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002730, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0002730 the same for all accounts at Arasarkulam branch?
Yes. The IFSC IOBA0002730 is shared by every account held at Indian Overseas Bank's Arasarkulam branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0002730 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Arasarkulam 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 Arasarkulam branch but serve different purposes.
What is the IFSC code of Indian Overseas Bank Arasarkulam branch?
The IFSC code of Indian Overseas Bank, Arasarkulam branch is IOBA0002730. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Arasarkulam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
What is the phone number of Indian Overseas Bank Arasarkulam branch?
You can reach the branch at 44-28584896 during regular banking hours.
Summary
The IFSC code IOBA0002730 belongs to Indian Overseas Bank's ARASARKULAM branch, located at 99BY14 STATE BANK ROAD,ARASARKULAM 614801 in ARANTANGI, 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.
