This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, KODIMANGALAM branch in AVOOR. The 11-digit IFSC IOBA0002797 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 KODIMANGALAM 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.
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 – KODIMANGALAM is IOBA0002797. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002797 map to this branch in AVOOR, 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 Kodimangalam branch in Avoor, Tamil Nadu is part of this network and uses the IFSC code IOBA0002797 for all electronic settlement.
About this branch
The branch is located at 3BY2 BAZAAR STREET,MELA AGALANKAN,KODIMANGALAM,KUTTALAM TK,NAGAPATTINAM DIST 612701. It serves the Avoor 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 IOBA0002797 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kodimangalam |
| IFSC Code | IOBA0002797 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 3BY2 BAZAAR STREET,MELA AGALANKAN,KODIMANGALAM,KUTTALAM TK,NAGAPATTINAM DIST 612701 |
| City | Avoor |
| District | Pudukkottai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
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 KODIMANGALAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002797 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 IOBA0002797 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Kodimangalam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002797 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 IOBA0002797
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 IOBA0002797 across all three.
How to use IFSC IOBA0002797 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KODIMANGALAM 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 IOBA0002797.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KODIMANGALAM.
- 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 KODIMANGALAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KODIMANGALAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002797 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank KODIMANGALAM (IFSC IOBA0002797)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002797 in your mobile or internet banking app, and the money is credited to the KODIMANGALAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002797 for Indian Overseas Bank – KODIMANGALAM, 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 – IOBA0002797 | Yes – IOBA0002797 | Yes – IOBA0002797 |
For most retail customers crediting the Kodimangalam 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.
UPI payments and IFSC IOBA0002797
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 – KODIMANGALAM is still mapped to IFSC IOBA0002797. 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 IOBA0002797 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kodimangalam branch is mapped to IFSC IOBA0002797 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 IOBA0002797.
Banking services available
The Kodimangalam 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 IOBA0002797
Digital banking channels
Most day-to-day work that customers used to do at the Kodimangalam 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 IOBA0002797 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 Kodimangalam branch sits at 3BY2 BAZAAR STREET,MELA AGALANKAN,KODIMANGALAM,KUTTALAM TK,NAGAPATTINAM DIST 612701. If you are travelling from outside Avoor, 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 IOBA0002797 and your account number.
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 – KODIMANGALAM:
- The IFSC is exactly IOBA0002797 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 KODIMANGALAM 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.
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 Kodimangalam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002797, however, work 24x7.
Verifying IFSC IOBA0002797 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 IOBA0002797 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 address & contact
Indian Overseas BankKodimangalam Branch
3BY2 BAZAAR STREET,MELA AGALANKAN,KODIMANGALAM,KUTTALAM TK,NAGAPATTINAM DIST 612701
Avoor, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0002797
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Kodimangalam branch?
The IFSC code of Indian Overseas Bank, Kodimangalam branch is IOBA0002797. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0002797 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002797 to send funds instantly.
How do I add Indian Overseas Bank Kodimangalam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002797, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0002797 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kodimangalam reflect within 30 minutes.
Where is Indian Overseas Bank Kodimangalam branch located?
Indian Overseas Bank's Kodimangalam branch is located at 3BY2 BAZAAR STREET,MELA AGALANKAN,KODIMANGALAM,KUTTALAM TK,NAGAPATTINAM DIST 612701, Avoor, Tamil Nadu.
Does Indian Overseas Bank Kodimangalam 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 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 Kodimangalam branch but serve different purposes.
Final notes
To recap: IOBA0002797 is the IFSC code of Indian Overseas Bank, KODIMANGALAM branch, in AVOOR, 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.
