IFSC Code of Indian Overseas Bank, Aruppukottai Branch, Tamil Nadu

Below are the complete branch details for Indian Overseas Bank, ARUPPUKOTTAI branch, located in ARUPPUKOTTAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001842. 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 IOBA0001842 for Indian Overseas Bank – ARUPPUKOTTAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 ARUPPUKOTTAI branch, the IFSC IOBA0001842 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001842 identifies this particular branch.

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Aruppukottai branch in Aruppukottai, Tamil Nadu is part of this network and uses the IFSC code IOBA0001842 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 310, B6 AND B7, SUNDER COMPLEX, 1ST FLOOR, TIRUCHULI ROAD, ARUPUKOTTAI626101. It serves the Aruppukottai 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 IOBA0001842 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 ARUPPUKOTTAI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001842 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 IOBA0001842 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Aruppukottai branch is mapped to IFSC IOBA0001842 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 IOBA0001842.

Banking services available

The Aruppukottai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 26760500.

• 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 IOBA0001842

How to transfer money using IFSC IOBA0001842

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 IOBA0001842 across all three.

How to use IFSC IOBA0001842 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's ARUPPUKOTTAI 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0001842.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as ARUPPUKOTTAI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ARUPPUKOTTAI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's ARUPPUKOTTAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001842 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank ARUPPUKOTTAI (IFSC IOBA0001842)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001842 in your mobile or internet banking app, and the money is credited to the ARUPPUKOTTAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Aruppukottai

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 IOBA0001842:

• 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 ARUPPUKOTTAI is still linked to IFSC IOBA0001842.

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 IOBA0001842

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 – ARUPPUKOTTAI is still mapped to IFSC IOBA0001842. 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 IOBA0001842 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IOBA0001842

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ARUPPUKOTTAI 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 IOBA0001842 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 IOBA0001842 and the account number together uniquely identify the Aruppukottai 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 – ARUPPUKOTTAI:

• The IFSC is exactly IOBA0001842 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 ARUPPUKOTTAI 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 Aruppukottai branch

The branch is located at 310, B6 AND B7, SUNDER COMPLEX, 1ST FLOOR, TIRUCHULI ROAD, ARUPUKOTTAI626101, which puts it inside Aruppukottai, the broader Virudhunagar district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Aruppukottai branch” — the verified location pin for IFSC IOBA0001842 should appear at the top of the results.
2. Confirm the branch is open by calling 26760500 before stepping out, especially around public holidays.
3. 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 IOBA0001842 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001842 for Indian Overseas Bank – ARUPPUKOTTAI, 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 Aruppukottai 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 IOBA0001842 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0001842 is the IFSC code of Indian Overseas Bank, ARUPPUKOTTAI branch, in ARUPPUKOTTAI, 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.