This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, KUMARA PARK branch in BANGALORE. The 11-digit IFSC IOBA0001193 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 KUMARA PARK 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, IOBA0001193 is the IFSC of Indian Overseas Bank's KUMARA PARK branch. The format is fixed: IOBA = bank code, 0 = reserved, 001193 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kumara Park branch — IFSC IOBA0001193 — extends the bank's services to customers in and around Bangalore, Karnataka.
About this branch
The branch is located at 45, X II BLOCK, KUMARA PARK WEST, BEHIND BDA, BANGALORE - 260020. It serves the Bangalore 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 IOBA0001193 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kumara Park |
| IFSC Code | IOBA0001193 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 45, X II BLOCK, KUMARA PARK WEST, BEHIND BDA, BANGALORE - 260020 |
| City | Bangalore |
| District | Bangalore Urban |
| State | Karnataka |
| Phone | 22950193 |
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 KUMARA PARK branch came to be assigned the code IOBA0001193.
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 IOBA0001193, money simply cannot be routed to the KUMARA PARK branch electronically.
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 IOBA0001193 and the account number together uniquely identify the Kumara Park branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0001193
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 IOBA0001193 across all three.
How to use IFSC IOBA0001193 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KUMARA PARK 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 IOBA0001193.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KUMARA PARK.
- 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 KUMARA PARK
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KUMARA PARK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001193 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 – KUMARA PARK, use IMPS. With IFSC IOBA0001193 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0001193 for Indian Overseas Bank – KUMARA PARK, 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 – IOBA0001193 | Yes – IOBA0001193 | Yes – IOBA0001193 |
For most retail customers crediting the Kumara Park 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.
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 KUMARA PARK branch, the IFSC IOBA0001193 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.
Products and account variants supported
Every account opened at the Kumara Park branch is mapped to IFSC IOBA0001193 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 IOBA0001193.
Banking services available
The Kumara Park branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22950193.
- 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 IOBA0001193
Online banking and IFSC IOBA0001193
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KUMARA PARK 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 IOBA0001193 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.
How to reach the Kumara Park branch
The branch is located at 45, X II BLOCK, KUMARA PARK WEST, BEHIND BDA, BANGALORE - 260020, which puts it inside Bangalore, the broader Bangalore Urban district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kumara Park branch” — the verified location pin for IFSC IOBA0001193 should appear at the top of the results.
- Confirm the branch is open by calling 22950193 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 IOBA0001193 and your account number.
Common mistakes to avoid when using IFSC IOBA0001193
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 – KUMARA PARK, 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:
IOBA0001193. - 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 Kumara Park 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 IOBA0001193 continue to work without interruption.
Verifying IFSC IOBA0001193 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 IOBA0001193 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22950193.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankKumara Park Branch
45, X II BLOCK, KUMARA PARK WEST, BEHIND BDA, BANGALORE - 260020
Bangalore, Karnataka
Phone: 22950193
IFSC: IOBA0001193
Frequently asked questions
Is IFSC IOBA0001193 the same for all accounts at Kumara Park branch?
Yes. The IFSC IOBA0001193 is shared by every account held at Indian Overseas Bank's Kumara Park branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0001193 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kumara Park reflect within 30 minutes.
Is IFSC IOBA0001193 valid for NEFT and RTGS?
Yes. IFSC IOBA0001193 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Kumara Park branch located?
Indian Overseas Bank's Kumara Park branch is located at 45, X II BLOCK, KUMARA PARK WEST, BEHIND BDA, BANGALORE - 260020, Bangalore, Karnataka.
What is the phone number of Indian Overseas Bank Kumara Park branch?
You can reach the branch at 22950193 during regular banking hours.
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 Kumara Park branch but serve different purposes.
Final notes
To recap: IOBA0001193 is the IFSC code of Indian Overseas Bank, KUMARA PARK branch, in BANGALORE, KARNATAKA. 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.
