This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, ATHMAKUR branch in ATMAKUR. The 11-digit IFSC IOBA0003518 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the ATHMAKUR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, IOBA0003518 is the IFSC of Indian Overseas Bank's ATHMAKUR branch. The format is fixed: IOBA = bank code, 0 = reserved, 003518 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Athmakur branch — IFSC IOBA0003518 — extends the bank's services to customers in and around Atmakur, Andhra Pradesh.
About this branch
The branch is located at 8-72/1,MAIN ROAD,NEAR POLICE STATION,ATHMAKUR,WARANGAL - 506342. It serves the Atmakur 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 IOBA0003518 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Athmakur |
| IFSC Code | IOBA0003518 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 8-72/1,MAIN ROAD,NEAR POLICE STATION,ATHMAKUR,WARANGAL - 506342 |
| City | Atmakur |
| District | Warangal |
| State | Andhra Pradesh |
| STD Code | 870 |
| Phone | 2431772 |
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 ATHMAKUR branch came to be assigned the code IOBA0003518.
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 IOBA0003518, money simply cannot be routed to the ATHMAKUR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Athmakur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003518 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0003518
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 IOBA0003518 across all three.
How to use IFSC IOBA0003518 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's ATHMAKUR 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 IOBA0003518.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as ATHMAKUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0003518
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 – ATHMAKUR, ensure your bank's portal accepts IFSC IOBA0003518 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – ATHMAKUR, use IMPS. With IFSC IOBA0003518 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 Athmakur
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 IOBA0003518:
- 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 ATHMAKUR is still linked to IFSC IOBA0003518.
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.
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 ATHMAKUR branch, the IFSC IOBA0003518 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.
Account types you can open at the Athmakur branch
Once you have an account at Indian Overseas Bank – ATHMAKUR, the IFSC IOBA0003518 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 Athmakur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 870-2431772.
- 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 IOBA0003518
Digital banking channels
Most day-to-day work that customers used to do at the Athmakur 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 IOBA0003518 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.
Reaching the branch
The Athmakur branch sits at 8-72/1,MAIN ROAD,NEAR POLICE STATION,ATHMAKUR,WARANGAL - 506342. If you are travelling from outside Atmakur, search for the branch on a maps application using the bank name and locality, or call 870-2431772 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 IOBA0003518 and your account number.
Common mistakes to avoid when using IFSC IOBA0003518
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 – ATHMAKUR, 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:
IOBA0003518. - 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.
Working hours
Branch counters at Athmakur 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 IOBA0003518 continue to work without interruption.
Verifying IFSC IOBA0003518 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 IOBA0003518 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 870-2431772.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankAthmakur Branch
8-72/1,MAIN ROAD,NEAR POLICE STATION,ATHMAKUR,WARANGAL - 506342
Atmakur, Andhra Pradesh
Phone: 870-2431772
IFSC: IOBA0003518
Frequently asked questions
Is IFSC IOBA0003518 the same for all accounts at Athmakur branch?
Yes. The IFSC IOBA0003518 is shared by every account held at Indian Overseas Bank's Athmakur branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0003518 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003518 to send funds instantly.
How quickly will an NEFT transfer using IOBA0003518 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Athmakur reflect within 30 minutes.
Where is Indian Overseas Bank Athmakur branch located?
Indian Overseas Bank's Athmakur branch is located at 8-72/1,MAIN ROAD,NEAR POLICE STATION,ATHMAKUR,WARANGAL - 506342, Atmakur, Andhra Pradesh.
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 Athmakur branch but serve different purposes.
How do I add Indian Overseas Bank Athmakur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003518, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003518 valid for NEFT and RTGS?
Yes. IFSC IOBA0003518 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Overseas Bank Athmakur branch?
The IFSC code of Indian Overseas Bank, Athmakur branch is IOBA0003518. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0003518 belongs to Indian Overseas Bank's ATHMAKUR branch, located at 8-72/1,MAIN ROAD,NEAR POLICE STATION,ATHMAKUR,WARANGAL - 506342 in ATMAKUR, ANDHRA PRADESH. 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.
