This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, BELEKERI branch in BELEKERI. The 11-digit IFSC IOBA0000296 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 BELEKERI 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 – BELEKERI is IOBA0000296. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000296 map to this branch in BELEKERI, KARNATAKA.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Belekeri branch in Belekeri, Karnataka is part of this network and uses the IFSC code IOBA0000296 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Belekeri |
| IFSC Code | IOBA0000296 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ARATI BUILDING MAIN ROAD,ANKOLA TALUK BELEKERI PIN 581321 |
| City | Belekeri |
| District | Uttar Kannad |
| State | Karnataka |
| STD Code | 8388 |
| Phone | 282236 |
About this branch
The branch is located at ARATI BUILDING MAIN ROAD,ANKOLA TALUK BELEKERI PIN 581321. It serves the Belekeri 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 IOBA0000296 is used to identify this branch on the RBI payments network.
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 BELEKERI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000296 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 IOBA0000296 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Belekeri branch
Once you have an account at Indian Overseas Bank – BELEKERI, the IFSC IOBA0000296 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.
Products and services
Customers walking into the Belekeri 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 IOBA0000296
How to transfer money using IFSC IOBA0000296
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 IOBA0000296 across all three.
How to use IFSC IOBA0000296 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's BELEKERI 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 IOBA0000296.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as BELEKERI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000296
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 – BELEKERI, ensure your bank's portal accepts IFSC IOBA0000296 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank BELEKERI (IFSC IOBA0000296)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000296 in your mobile or internet banking app, and the money is credited to the BELEKERI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000296 for Indian Overseas Bank – BELEKERI, 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 – IOBA0000296 | Yes – IOBA0000296 | Yes – IOBA0000296 |
For most retail customers crediting the Belekeri 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 IOBA0000296
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 – BELEKERI is still mapped to IFSC IOBA0000296. 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 IOBA0000296 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0000296
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the BELEKERI 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 IOBA0000296 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 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 IOBA0000296 and the account number together uniquely identify the Belekeri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0000296
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 – BELEKERI, 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:
IOBA0000296. - 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.
How to reach the Belekeri branch
The branch is located at ARATI BUILDING MAIN ROAD,ANKOLA TALUK BELEKERI PIN 581321, which puts it inside Belekeri, the broader Uttar Kannad district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Belekeri branch” — the verified location pin for IFSC IOBA0000296 should appear at the top of the results.
- Confirm the branch is open by calling 8388-282236 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 IOBA0000296 and your account number.
Verifying IFSC IOBA0000296 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 IOBA0000296 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8388-282236.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Belekeri 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 IOBA0000296 continue to work without interruption.
Branch address & contact
Indian Overseas BankBelekeri Branch
ARATI BUILDING MAIN ROAD,ANKOLA TALUK BELEKERI PIN 581321
Belekeri, Karnataka
Phone: 8388-282236
IFSC: IOBA0000296
Frequently asked questions
Where is Indian Overseas Bank Belekeri branch located?
Indian Overseas Bank's Belekeri branch is located at ARATI BUILDING MAIN ROAD,ANKOLA TALUK BELEKERI PIN 581321, Belekeri, Karnataka.
Is IFSC IOBA0000296 valid for NEFT and RTGS?
Yes. IFSC IOBA0000296 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0000296 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Belekeri reflect within 30 minutes.
Is IFSC IOBA0000296 the same for all accounts at Belekeri branch?
Yes. The IFSC IOBA0000296 is shared by every account held at Indian Overseas Bank's Belekeri branch. Only the account number changes from customer to customer.
Does Indian Overseas Bank Belekeri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8388-282236 to confirm.
Can I use IFSC IOBA0000296 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000296 to send funds instantly.
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 Belekeri branch but serve different purposes.
Summary
The IFSC code IOBA0000296 belongs to Indian Overseas Bank's BELEKERI branch, located at ARATI BUILDING MAIN ROAD,ANKOLA TALUK BELEKERI PIN 581321 in BELEKERI, KARNATAKA. 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.
