IFSC Code of Indian Overseas Bank, Ambattur Industrial Estate Branch, Tamil Nadu

Below are the complete branch details for Indian Overseas Bank, AMBATTUR INDUSTRIAL ESTATE branch, located in CHENNAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000196. 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 IOBA0000196 for Indian Overseas Bank – AMBATTUR INDUSTRIAL ESTATE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IOBA0000196 is the IFSC of Indian Overseas Bank's AMBATTUR INDUSTRIAL ESTATE branch. The format is fixed: IOBA = bank code, 0 = reserved, 000196 = branch identifier.

Branch details at a glance

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ambattur Industrial Estate branch — IFSC IOBA0000196 — extends the bank's services to customers in and around Chennai, Tamil Nadu.

About this branch

The branch is located at PLOT NO 96, SOUTH PHASE, II MAIN ROAD, AMBATTUR INDUSTRIAL ESTATE, CHENNAI - 600058. It serves the Chennai 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 IOBA0000196 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 AMBATTUR INDUSTRIAL ESTATE of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000196 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 IOBA0000196 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IOBA0000196

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 IOBA0000196 across all three.

NEFT to Indian Overseas Bank, AMBATTUR INDUSTRIAL ESTATE using IFSC IOBA0000196

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 IOBA0000196, and confirm that the system picks up Indian Overseas Bank – AMBATTUR INDUSTRIAL ESTATE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IOBA0000196

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 – AMBATTUR INDUSTRIAL ESTATE, ensure your bank's portal accepts IFSC IOBA0000196 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank AMBATTUR INDUSTRIAL ESTATE (IFSC IOBA0000196)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000196 in your mobile or internet banking app, and the money is credited to the AMBATTUR INDUSTRIAL ESTATE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ambattur Industrial Estate

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 IOBA0000196:

• 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 AMBATTUR INDUSTRIAL ESTATE is still linked to IFSC IOBA0000196.

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.

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 AMBATTUR INDUSTRIAL ESTATE branch, the IFSC IOBA0000196 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.

Products and account variants supported

Every account opened at the Ambattur Industrial Estate branch is mapped to IFSC IOBA0000196 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 IOBA0000196.

Products and services

Customers walking into the Ambattur Industrial Estate 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 IOBA0000196

MICR & cheque-truncation details

Cheques drawn on the Ambattur Industrial Estate branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000196 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IOBA0000196

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the AMBATTUR INDUSTRIAL ESTATE 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 IOBA0000196 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.

Common mistakes to avoid when using IFSC IOBA0000196

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 – AMBATTUR INDUSTRIAL ESTATE, 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: IOBA0000196.
• 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 Ambattur Industrial Estate branch sits at PLOT NO 96, SOUTH PHASE, II MAIN ROAD, AMBATTUR INDUSTRIAL ESTATE, CHENNAI - 600058. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call 26253137 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 IOBA0000196 and your account number.

Verifying IFSC IOBA0000196 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 IOBA0000196 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 26253137.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ambattur Industrial Estate 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 IOBA0000196 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0000196 belongs to Indian Overseas Bank's AMBATTUR INDUSTRIAL ESTATE branch, located at PLOT NO 96, SOUTH PHASE, II MAIN ROAD, AMBATTUR INDUSTRIAL ESTATE, CHENNAI -… in CHENNAI, TAMIL NADU. 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.