Use this page as a one-stop reference for everything related to Indian Overseas Bank's AVANATHANKOTTAI branch in AVANATHANKOTTAI, TAMIL NADU. The branch's IFSC code IOBA0001111 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 AVANATHANKOTTAI branch, the IFSC IOBA0001111 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001111 identifies this particular branch.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Avanathankottai branch — IFSC IOBA0001111 — extends the bank's services to customers in and around Avanathankottai, Tamil Nadu.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Avanathankottai |
| IFSC Code | IOBA0001111 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 107 BY 4 MAIN ROAD,AVANATHANKOTTAI ARANTHANGI TALUK AVANATHANKOTTAI PIN 614624 |
| City | Avanathankottai |
| District | Pudukkottai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
About this branch
The branch is located at 107 BY 4 MAIN ROAD,AVANATHANKOTTAI ARANTHANGI TALUK AVANATHANKOTTAI PIN 614624. It serves the Avanathankottai 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 IOBA0001111 is used to identify this branch on the RBI payments network.
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 AVANATHANKOTTAI branch came to be assigned the code IOBA0001111.
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 IOBA0001111, money simply cannot be routed to the AVANATHANKOTTAI branch electronically.
Products and account variants supported
Every account opened at the Avanathankottai branch is mapped to IFSC IOBA0001111 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 IOBA0001111.
Banking services available
The Avanathankottai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- 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 IOBA0001111
How to transfer money using IFSC IOBA0001111
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 IOBA0001111 across all three.
NEFT to Indian Overseas Bank, AVANATHANKOTTAI using IFSC IOBA0001111
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 IOBA0001111, and confirm that the system picks up Indian Overseas Bank – AVANATHANKOTTAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AVANATHANKOTTAI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's AVANATHANKOTTAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001111 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – AVANATHANKOTTAI, use IMPS. With IFSC IOBA0001111 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 Avanathankottai
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 IOBA0001111:
- 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 AVANATHANKOTTAI is still linked to IFSC IOBA0001111.
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 AVANATHANKOTTAI branch, the IFSC IOBA0001111 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 Avanathankottai 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 IOBA0001111 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 & cheque-truncation details
Cheques drawn on the Avanathankottai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001111 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 IOBA0001111
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 – AVANATHANKOTTAI, 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:
IOBA0001111. - 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 Avanathankottai branch sits at 107 BY 4 MAIN ROAD,AVANATHANKOTTAI ARANTHANGI TALUK AVANATHANKOTTAI PIN 614624. If you are travelling from outside Avanathankottai, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0001111 and your account number.
Verifying IFSC IOBA0001111 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 IOBA0001111 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.
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 Avanathankottai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001111, however, work 24x7.
Branch address & contact
Indian Overseas BankAvanathankottai Branch
107 BY 4 MAIN ROAD,AVANATHANKOTTAI ARANTHANGI TALUK AVANATHANKOTTAI PIN 614624
Avanathankottai, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0001111
Frequently asked questions
Is IFSC IOBA0001111 the same for all accounts at Avanathankottai branch?
Yes. The IFSC IOBA0001111 is shared by every account held at Indian Overseas Bank's Avanathankottai branch. Only the account number changes from customer to customer.
Does Indian Overseas Bank Avanathankottai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
How do I add Indian Overseas Bank Avanathankottai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001111, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Avanathankottai branch?
The IFSC code of Indian Overseas Bank, Avanathankottai branch is IOBA0001111. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0001111 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Avanathankottai reflect within 30 minutes.
Where is Indian Overseas Bank Avanathankottai branch located?
Indian Overseas Bank's Avanathankottai branch is located at 107 BY 4 MAIN ROAD,AVANATHANKOTTAI ARANTHANGI TALUK AVANATHANKOTTAI PIN 614624, Avanathankottai, Tamil Nadu.
Is IFSC IOBA0001111 valid for NEFT and RTGS?
Yes. IFSC IOBA0001111 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IOBA0001111 is the IFSC code of Indian Overseas Bank, AVANATHANKOTTAI branch, in AVANATHANKOTTAI, 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.
