If you are searching for the IFSC code of Indian Overseas Bank, ARANI branch in ARNI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0002570. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the ARANI branch, and detailed step-by-step guides for using the IFSC IOBA0002570 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – ARANI is IOBA0002570. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002570 map to this branch in ARNI, 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 Arani branch in Arni, Tamil Nadu is part of this network and uses the IFSC code IOBA0002570 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Arani |
| IFSC Code | IOBA0002570 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 300,MARKET ROAD,OPP.OLD BUS STAND,ARANI,T.V.MALAI DIST.,T.N. 632301 |
| City | Arni |
| District | Tiruvannamalai |
| State | Tamil Nadu |
| Phone | 229570 |
About the Arani branch
The Arani branch of Indian Overseas Bank is situated at 300,MARKET ROAD,OPP.OLD BUS STAND,ARANI,T.V.MALAI DIST.,T.N. 632301. 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 IOBA0002570 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 ARANI branch came to be assigned the code IOBA0002570.
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 IOBA0002570, money simply cannot be routed to the ARANI branch electronically.
Products and account variants supported
Every account opened at the Arani branch is mapped to IFSC IOBA0002570 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 IOBA0002570.
Banking services available
The Arani branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 229570.
- 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 IOBA0002570
How to transfer money using IFSC IOBA0002570
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 IOBA0002570 across all three.
NEFT to Indian Overseas Bank, ARANI using IFSC IOBA0002570
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 IOBA0002570, and confirm that the system picks up Indian Overseas Bank – ARANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002570
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 – ARANI, ensure your bank's portal accepts IFSC IOBA0002570 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – ARANI, use IMPS. With IFSC IOBA0002570 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 Arani
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 IOBA0002570:
- 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 ARANI is still linked to IFSC IOBA0002570.
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 IOBA0002570
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 – ARANI is still mapped to IFSC IOBA0002570. 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 IOBA0002570 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0002570
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ARANI 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 IOBA0002570 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 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 IOBA0002570 and the account number together uniquely identify the Arani 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 – ARANI:
- The IFSC is exactly IOBA0002570 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 ARANI 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 Arani branch
The branch is located at 300,MARKET ROAD,OPP.OLD BUS STAND,ARANI,T.V.MALAI DIST.,T.N. 632301, which puts it inside Arni, the broader Tiruvannamalai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Arani branch” — the verified location pin for IFSC IOBA0002570 should appear at the top of the results.
- Confirm the branch is open by calling 229570 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 IOBA0002570 and your account number.
Verifying IFSC IOBA0002570 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 IOBA0002570 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 229570.
- Visiting the bank's official branch locator page.
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 Arani branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002570, however, work 24x7.
Branch address & contact
Indian Overseas BankArani Branch
300,MARKET ROAD,OPP.OLD BUS STAND,ARANI,T.V.MALAI DIST.,T.N. 632301
Arni, Tamil Nadu
Phone: 229570
IFSC: IOBA0002570
Frequently asked questions
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 Arani branch but serve different purposes.
Does Indian Overseas Bank Arani branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 229570 to confirm.
What is the IFSC code of Indian Overseas Bank Arani branch?
The IFSC code of Indian Overseas Bank, Arani branch is IOBA0002570. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Overseas Bank Arani branch located?
Indian Overseas Bank's Arani branch is located at 300,MARKET ROAD,OPP.OLD BUS STAND,ARANI,T.V.MALAI DIST.,T.N. 632301, Arni, Tamil Nadu.
Is IFSC IOBA0002570 valid for NEFT and RTGS?
Yes. IFSC IOBA0002570 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IOBA0002570 the same for all accounts at Arani branch?
Yes. The IFSC IOBA0002570 is shared by every account held at Indian Overseas Bank's Arani branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0002570 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002570 to send funds instantly.
How quickly will an NEFT transfer using IOBA0002570 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Arani reflect within 30 minutes.
Final notes
To recap: IOBA0002570 is the IFSC code of Indian Overseas Bank, ARANI branch, in ARNI, TAMIL NADU. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
