IFSC Code of Indian Overseas Bank, Chennaigowrivakkam Branch, Tamil Nadu

If you are searching for the IFSC code of Indian Overseas Bank, CHENNAIGOWRIVAKKAM branch in CHENNAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0001787. 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 CHENNAIGOWRIVAKKAM branch, and detailed step-by-step guides for using the IFSC IOBA0001787 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, IOBA0001787 is the IFSC of Indian Overseas Bank's CHENNAIGOWRIVAKKAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 001787 = branch identifier.

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chennaigowrivakkam branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code IOBA0001787 for all electronic settlement.

Branch details at a glance

About the Chennaigowrivakkam branch

The Chennaigowrivakkam branch of Indian Overseas Bank is situated at SC COL, VELACHERY TAMBARAM ROAD, GOWRIVAKKAM CHENNAI601302. 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 IOBA0001787 is used.

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 CHENNAIGOWRIVAKKAM branch came to be assigned the code IOBA0001787.

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 IOBA0001787, money simply cannot be routed to the CHENNAIGOWRIVAKKAM branch electronically.

Products and account variants supported

Every account opened at the Chennaigowrivakkam branch is mapped to IFSC IOBA0001787 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 IOBA0001787.

Banking services available

The Chennaigowrivakkam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2616318.

• 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 IOBA0001787

How to transfer money using IFSC IOBA0001787

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 IOBA0001787 across all three.

NEFT to Indian Overseas Bank, CHENNAIGOWRIVAKKAM using IFSC IOBA0001787

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 IOBA0001787, and confirm that the system picks up Indian Overseas Bank – CHENNAIGOWRIVAKKAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IOBA0001787

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 – CHENNAIGOWRIVAKKAM, ensure your bank's portal accepts IFSC IOBA0001787 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank CHENNAIGOWRIVAKKAM (IFSC IOBA0001787)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001787 in your mobile or internet banking app, and the money is credited to the CHENNAIGOWRIVAKKAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chennaigowrivakkam

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 IOBA0001787:

• 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 CHENNAIGOWRIVAKKAM is still linked to IFSC IOBA0001787.

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 IOBA0001787

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 – CHENNAIGOWRIVAKKAM is still mapped to IFSC IOBA0001787. 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 IOBA0001787 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IOBA0001787

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the CHENNAIGOWRIVAKKAM 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 IOBA0001787 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 IOBA0001787 and the account number together uniquely identify the Chennaigowrivakkam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – CHENNAIGOWRIVAKKAM:

• The IFSC is exactly IOBA0001787 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 CHENNAIGOWRIVAKKAM 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.

How to reach the Chennaigowrivakkam branch

The branch is located at SC COL, VELACHERY TAMBARAM ROAD, GOWRIVAKKAM CHENNAI601302, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Chennaigowrivakkam branch” — the verified location pin for IFSC IOBA0001787 should appear at the top of the results.
2. Confirm the branch is open by calling 2616318 before stepping out, especially around public holidays.
3. 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 IOBA0001787 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001787 for Indian Overseas Bank – CHENNAIGOWRIVAKKAM, 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 Chennaigowrivakkam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001787, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0001787 is the IFSC code of Indian Overseas Bank, CHENNAIGOWRIVAKKAM 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.