Below are the complete branch details for Indian Overseas Bank, BAPATLA branch, located in BAPATLA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000539. 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 IOBA0000539 for Indian Overseas Bank – BAPATLA — 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 BAPATLA branch, the IFSC IOBA0000539 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000539 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 Bapatla branch in Bapatla, Andhra Pradesh is part of this network and uses the IFSC code IOBA0000539 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Bapatla |
| IFSC Code | IOBA0000539 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 10 1 1, RATHAM BAZAAR, BAPATLA PIN 522101 |
| City | Bapatla |
| District | Guntur |
| State | Andhra Pradesh |
| STD Code | 8643 |
| Phone | 224072 |
About this branch
The branch is located at 10 1 1, RATHAM BAZAAR, BAPATLA PIN 522101. It serves the Bapatla 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 IOBA0000539 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 BAPATLA branch came to be assigned the code IOBA0000539.
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 IOBA0000539, money simply cannot be routed to the BAPATLA branch electronically.
Products and account variants supported
Every account opened at the Bapatla branch is mapped to IFSC IOBA0000539 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 IOBA0000539.
Products and services
Customers walking into the Bapatla branch can access most of Indian Overseas Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IOBA0000539
How to transfer money using IFSC IOBA0000539
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 IOBA0000539 across all three.
How to use IFSC IOBA0000539 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's BAPATLA 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 IOBA0000539.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as BAPATLA.
- 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 BAPATLA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's BAPATLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000539 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank BAPATLA (IFSC IOBA0000539)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000539 in your mobile or internet banking app, and the money is credited to the BAPATLA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000539 for Indian Overseas Bank – BAPATLA, 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 – IOBA0000539 | Yes – IOBA0000539 | Yes – IOBA0000539 |
For most retail customers crediting the Bapatla 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 BAPATLA branch, the IFSC IOBA0000539 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.
Online banking and IFSC IOBA0000539
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the BAPATLA 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 IOBA0000539 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 & cheque-truncation details
Cheques drawn on the Bapatla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000539 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 IOBA0000539
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 – BAPATLA, 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:
IOBA0000539. - 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 Bapatla branch sits at 10 1 1, RATHAM BAZAAR, BAPATLA PIN 522101. If you are travelling from outside Bapatla, search for the branch on a maps application using the bank name and locality, or call 8643-224072 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 IOBA0000539 and your account number.
Verifying IFSC IOBA0000539 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 IOBA0000539 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8643-224072.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bapatla 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 IOBA0000539 continue to work without interruption.
Branch address & contact
Indian Overseas BankBapatla Branch
10 1 1, RATHAM BAZAAR, BAPATLA PIN 522101
Bapatla, Andhra Pradesh
Phone: 8643-224072
IFSC: IOBA0000539
Frequently asked questions
Where is Indian Overseas Bank Bapatla branch located?
Indian Overseas Bank's Bapatla branch is located at 10 1 1, RATHAM BAZAAR, BAPATLA PIN 522101, Bapatla, Andhra Pradesh.
What is the phone number of Indian Overseas Bank Bapatla branch?
You can reach the branch at 8643-224072 during regular banking hours.
Is IFSC IOBA0000539 the same for all accounts at Bapatla branch?
Yes. The IFSC IOBA0000539 is shared by every account held at Indian Overseas Bank's Bapatla branch. Only the account number changes from customer to customer.
Is IFSC IOBA0000539 valid for NEFT and RTGS?
Yes. IFSC IOBA0000539 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0000539 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Bapatla reflect within 30 minutes.
Does Indian Overseas Bank Bapatla branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8643-224072 to confirm.
How do I add Indian Overseas Bank Bapatla as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000539, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IOBA0000539 is the IFSC code of Indian Overseas Bank, BAPATLA branch, in BAPATLA, ANDHRA PRADESH. 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.
