Use this page as a one-stop reference for everything related to Indian Overseas Bank's BOBBILI branch in BOBBILI, ANDHRA PRADESH. The branch's IFSC code IOBA0000364 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 BOBBILI branch, the IFSC IOBA0000364 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000364 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Bobbili branch in Bobbili. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0000364.
About the Bobbili branch
The Bobbili branch of Indian Overseas Bank is situated at BALAJIPETA ROAD, OPP TELEPHONE EXCHANGE, BOBBILI PIN 532558. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0000364 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Bobbili |
| IFSC Code | IOBA0000364 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BALAJIPETA ROAD, OPP TELEPHONE EXCHANGE, BOBBILI PIN 532558 |
| City | Bobbili |
| District | Vizianagaram |
| State | Andhra Pradesh |
| STD Code | 8944 |
| Phone | 254205 |
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 BOBBILI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000364 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 IOBA0000364 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IOBA0000364 and the account number together uniquely identify the Bobbili branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0000364
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 IOBA0000364 across all three.
How to use IFSC IOBA0000364 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's BOBBILI 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 IOBA0000364.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as BOBBILI.
- 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 BOBBILI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's BOBBILI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000364 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 – BOBBILI, use IMPS. With IFSC IOBA0000364 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 IOBA0000364 for Indian Overseas Bank – BOBBILI, 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 – IOBA0000364 | Yes – IOBA0000364 | Yes – IOBA0000364 |
For most retail customers crediting the Bobbili 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 IOBA0000364
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 – BOBBILI is still mapped to IFSC IOBA0000364. 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 IOBA0000364 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bobbili branch is mapped to IFSC IOBA0000364 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 IOBA0000364.
Banking services available
The Bobbili branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8944-254205.
- 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 IOBA0000364
Online banking and IFSC IOBA0000364
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the BOBBILI 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 IOBA0000364 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.
Reaching the branch
The Bobbili branch sits at BALAJIPETA ROAD, OPP TELEPHONE EXCHANGE, BOBBILI PIN 532558. If you are travelling from outside Bobbili, search for the branch on a maps application using the bank name and locality, or call 8944-254205 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 IOBA0000364 and your account number.
Common mistakes to avoid when using IFSC IOBA0000364
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 – BOBBILI, 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:
IOBA0000364. - 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 Bobbili 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 IOBA0000364 continue to work without interruption.
Verifying IFSC IOBA0000364 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 IOBA0000364 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8944-254205.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankBobbili Branch
BALAJIPETA ROAD, OPP TELEPHONE EXCHANGE, BOBBILI PIN 532558
Bobbili, Andhra Pradesh
Phone: 8944-254205
IFSC: IOBA0000364
Frequently asked questions
How do I add Indian Overseas Bank Bobbili as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000364, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Bobbili branch?
The IFSC code of Indian Overseas Bank, Bobbili branch is IOBA0000364. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000364 valid for NEFT and RTGS?
Yes. IFSC IOBA0000364 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Bobbili branch located?
Indian Overseas Bank's Bobbili branch is located at BALAJIPETA ROAD, OPP TELEPHONE EXCHANGE, BOBBILI PIN 532558, Bobbili, Andhra Pradesh.
Does Indian Overseas Bank Bobbili branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8944-254205 to confirm.
Can I use IFSC IOBA0000364 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000364 to send funds instantly.
Final notes
To recap: IOBA0000364 is the IFSC code of Indian Overseas Bank, BOBBILI branch, in BOBBILI, 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.
