If you are searching for the IFSC code of Indian Overseas Bank, ADAMBAKKAM branch in CHENNAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0000612. 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 ADAMBAKKAM branch, and detailed step-by-step guides for using the IFSC IOBA0000612 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, IOBA0000612 is the IFSC of Indian Overseas Bank's ADAMBAKKAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 000612 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Adambakkam branch — IFSC IOBA0000612 — extends the bank's services to customers in and around Chennai, Tamil Nadu.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Adambakkam |
| IFSC Code | IOBA0000612 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 19, GROUND FLOOR, KARUNEEGAR STREET, ADAMBAKKAM, CHENNAI - 600088 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| Phone | 22456490 |
Adambakkam branch overview
Located at 19, GROUND FLOOR, KARUNEEGAR STREET, ADAMBAKKAM, CHENNAI - 600088, the Adambakkam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000612 is required for all interbank electronic transfers routed through this branch.
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 ADAMBAKKAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000612 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 IOBA0000612 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Adambakkam branch is mapped to IFSC IOBA0000612 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 IOBA0000612.
Banking services available
The Adambakkam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22456490.
- 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 IOBA0000612
How to transfer money using IFSC IOBA0000612
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 IOBA0000612 across all three.
How to use IFSC IOBA0000612 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's ADAMBAKKAM 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 IOBA0000612.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as ADAMBAKKAM.
- 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 ADAMBAKKAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's ADAMBAKKAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000612 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank ADAMBAKKAM (IFSC IOBA0000612)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000612 in your mobile or internet banking app, and the money is credited to the ADAMBAKKAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Adambakkam
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0000612:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at ADAMBAKKAM is still linked to IFSC IOBA0000612.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC IOBA0000612
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 – ADAMBAKKAM is still mapped to IFSC IOBA0000612. 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 IOBA0000612 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0000612
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ADAMBAKKAM 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 IOBA0000612 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 IOBA0000612 and the account number together uniquely identify the Adambakkam 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 IOBA0000612
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 – ADAMBAKKAM, 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:
IOBA0000612. - 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 Adambakkam branch
The branch is located at 19, GROUND FLOOR, KARUNEEGAR STREET, ADAMBAKKAM, CHENNAI - 600088, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Adambakkam branch” — the verified location pin for IFSC IOBA0000612 should appear at the top of the results.
- Confirm the branch is open by calling 22456490 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 IOBA0000612 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000612 for Indian Overseas Bank – ADAMBAKKAM, 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 banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Adambakkam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000612, however, work 24x7.
Branch address & contact
Indian Overseas BankAdambakkam Branch
19, GROUND FLOOR, KARUNEEGAR STREET, ADAMBAKKAM, CHENNAI - 600088
Chennai, Tamil Nadu
Phone: 22456490
IFSC: IOBA0000612
Frequently asked questions
How do I add Indian Overseas Bank Adambakkam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000612, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0000612 the same for all accounts at Adambakkam branch?
Yes. The IFSC IOBA0000612 is shared by every account held at Indian Overseas Bank's Adambakkam branch. Only the account number changes from customer to customer.
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 Adambakkam branch but serve different purposes.
Can I use IFSC IOBA0000612 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000612 to send funds instantly.
Where is Indian Overseas Bank Adambakkam branch located?
Indian Overseas Bank's Adambakkam branch is located at 19, GROUND FLOOR, KARUNEEGAR STREET, ADAMBAKKAM, CHENNAI - 600088, Chennai, Tamil Nadu.
Does Indian Overseas Bank Adambakkam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22456490 to confirm.
What is the phone number of Indian Overseas Bank Adambakkam branch?
You can reach the branch at 22456490 during regular banking hours.
Final notes
To recap: IOBA0000612 is the IFSC code of Indian Overseas Bank, ADAMBAKKAM branch, in CHENNAI, TAMIL NADU. 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.
