IFSC Code of Indian Overseas Bank, Chennai Vhs Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Indian Overseas Bank's CHENNAI VHS branch in CHENNAI, TAMIL NADU. The branch's IFSC code IOBA0001744 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.

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 – CHENNAI VHS is IOBA0001744. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001744 map to this branch in CHENNAI, TAMIL NADU.

Branch details at a glance

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chennai Vhs branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code IOBA0001744 for all electronic settlement.

Chennai Vhs branch overview

Located at VHS CAMPUS I T CORRIDOR TARAMANI CHENNAI PIN 600113, the Chennai Vhs branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001744 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 CHENNAI VHS of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001744 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 IOBA0001744 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 IOBA0001744

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 IOBA0001744 across all three.

NEFT to Indian Overseas Bank, CHENNAI VHS using IFSC IOBA0001744

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 IOBA0001744, and confirm that the system picks up Indian Overseas Bank – CHENNAI VHS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHENNAI VHS

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's CHENNAI VHS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001744 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank CHENNAI VHS (IFSC IOBA0001744)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001744 in your mobile or internet banking app, and the money is credited to the CHENNAI VHS branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0001744 for Indian Overseas Bank – CHENNAI VHS, 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.

For most retail customers crediting the Chennai Vhs 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 IOBA0001744

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 – CHENNAI VHS is still mapped to IFSC IOBA0001744. 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 IOBA0001744 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chennai Vhs branch is mapped to IFSC IOBA0001744 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 IOBA0001744.

Banking services available

The Chennai Vhs branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2231520.

• 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 IOBA0001744

MICR & cheque-truncation details

Cheques drawn on the Chennai Vhs branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001744 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Chennai Vhs branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0001744 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Overseas Bank – CHENNAI VHS:

• The IFSC is exactly IOBA0001744 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Indian Overseas Bank as the bank name and CHENNAI VHS as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Chennai Vhs branch sits at VHS CAMPUS I T CORRIDOR TARAMANI CHENNAI PIN 600113. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call 2231520 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 IOBA0001744 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001744 for Indian Overseas Bank – CHENNAI VHS, 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.

Working hours

Branch counters at Chennai Vhs 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 IOBA0001744 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0001744 is the IFSC code of Indian Overseas Bank, CHENNAI VHS 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.