If you are searching for the IFSC code of Indian Overseas Bank, CHAVAKKAD branch in CHAVAKKAD, KERALA, this page has every detail you need. The verified IFSC code for this branch is IOBA0000387. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CHAVAKKAD branch, and detailed step-by-step guides for using the IFSC IOBA0000387 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, IOBA0000387 is the IFSC of Indian Overseas Bank's CHAVAKKAD branch. The format is fixed: IOBA = bank code, 0 = reserved, 000387 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chavakkad branch — IFSC IOBA0000387 — extends the bank's services to customers in and around Chavakkad, Kerala.
About the Chavakkad branch
The Chavakkad branch of Indian Overseas Bank is situated at BLOCK NO 65,BA BA BULDG,WARD NO 7,CHETTUVA BYE PASS,OPP CHA.B.STAND,CHAVAKKAD. 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 IOBA0000387 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Chavakkad |
| IFSC Code | IOBA0000387 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BLOCK NO 65,BA BA BULDG,WARD NO 7,CHETTUVA BYE PASS,OPP CHA.B.STAND,CHAVAKKAD |
| City | Chavakkad |
| District | Thrissur |
| State | Kerala |
| Phone | 2507289 |
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 CHAVAKKAD branch came to be assigned the code IOBA0000387.
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 IOBA0000387, money simply cannot be routed to the CHAVAKKAD branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Chavakkad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000387 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 IOBA0000387
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 IOBA0000387 across all three.
NEFT to Indian Overseas Bank, CHAVAKKAD using IFSC IOBA0000387
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IOBA0000387, and confirm that the system picks up Indian Overseas Bank – CHAVAKKAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHAVAKKAD
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's CHAVAKKAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000387 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank CHAVAKKAD (IFSC IOBA0000387)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000387 in your mobile or internet banking app, and the money is credited to the CHAVAKKAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000387 for Indian Overseas Bank – CHAVAKKAD, 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 – IOBA0000387 | Yes – IOBA0000387 | Yes – IOBA0000387 |
For most retail customers crediting the Chavakkad 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 IOBA0000387
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 – CHAVAKKAD is still mapped to IFSC IOBA0000387. 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 IOBA0000387 and the beneficiary's account number to complete the transfer.
Account types you can open at the Chavakkad branch
Once you have an account at Indian Overseas Bank – CHAVAKKAD, the IFSC IOBA0000387 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.
Banking services available
The Chavakkad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2507289.
- 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 IOBA0000387
Online banking and IFSC IOBA0000387
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the CHAVAKKAD 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 IOBA0000387 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 Chavakkad branch
The branch is located at BLOCK NO 65,BA BA BULDG,WARD NO 7,CHETTUVA BYE PASS,OPP CHA.B.STAND,CHAVAKKAD, which puts it inside Chavakkad, the broader Thrissur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Chavakkad branch” — the verified location pin for IFSC IOBA0000387 should appear at the top of the results.
- Confirm the branch is open by calling 2507289 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 IOBA0000387 and your account number.
Common mistakes to avoid when using IFSC IOBA0000387
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 – CHAVAKKAD, 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:
IOBA0000387. - 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 Chavakkad 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 IOBA0000387 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000387 for Indian Overseas Bank – CHAVAKKAD, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Indian Overseas BankChavakkad Branch
BLOCK NO 65,BA BA BULDG,WARD NO 7,CHETTUVA BYE PASS,OPP CHA.B.STAND,CHAVAKKAD
Chavakkad, Kerala
Phone: 2507289
IFSC: IOBA0000387
Frequently asked questions
Can I use IFSC IOBA0000387 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000387 to send funds instantly.
Is IFSC IOBA0000387 the same for all accounts at Chavakkad branch?
Yes. The IFSC IOBA0000387 is shared by every account held at Indian Overseas Bank's Chavakkad branch. Only the account number changes from customer to customer.
Is IFSC IOBA0000387 valid for NEFT and RTGS?
Yes. IFSC IOBA0000387 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Overseas Bank Chavakkad branch?
You can reach the branch at 2507289 during regular banking hours.
How do I add Indian Overseas Bank Chavakkad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000387, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Chavakkad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2507289 to confirm.
Final notes
To recap: IOBA0000387 is the IFSC code of Indian Overseas Bank, CHAVAKKAD branch, in CHAVAKKAD, KERALA. 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.
