Use this page as a one-stop reference for everything related to Indian Overseas Bank's KAMBAR COLONY CHENNAI branch in CHENNAI, TAMIL NADU. The branch's IFSC code IOBA0002811 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 – KAMBAR COLONY CHENNAI is IOBA0002811. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002811 map to this branch in CHENNAI, TAMIL NADU.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kambar Colony Chennai branch — IFSC IOBA0002811 — extends the bank's services to customers in and around Chennai, Tamil Nadu.
About the Kambar Colony Chennai branch
The Kambar Colony Chennai branch of Indian Overseas Bank is situated at 65 THIRUMANGALAM ROAD VILLIVAKKAM CHENNAI 600049. 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 IOBA0002811 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kambar Colony Chennai |
| IFSC Code | IOBA0002811 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 65 THIRUMANGALAM ROAD VILLIVAKKAM CHENNAI 600049 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
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 KAMBAR COLONY CHENNAI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002811 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 IOBA0002811 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Kambar Colony Chennai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002811 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 IOBA0002811
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 IOBA0002811 across all three.
NEFT to Indian Overseas Bank, KAMBAR COLONY CHENNAI using IFSC IOBA0002811
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 IOBA0002811, and confirm that the system picks up Indian Overseas Bank – KAMBAR COLONY CHENNAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KAMBAR COLONY CHENNAI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KAMBAR COLONY CHENNAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002811 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – KAMBAR COLONY CHENNAI, use IMPS. With IFSC IOBA0002811 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002811 for Indian Overseas Bank – KAMBAR COLONY CHENNAI, 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 – IOBA0002811 | Yes – IOBA0002811 | Yes – IOBA0002811 |
For most retail customers crediting the Kambar Colony Chennai 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 IOBA0002811
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 – KAMBAR COLONY CHENNAI is still mapped to IFSC IOBA0002811. 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 IOBA0002811 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kambar Colony Chennai branch is mapped to IFSC IOBA0002811 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 IOBA0002811.
Products and services
Customers walking into the Kambar Colony Chennai 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 IOBA0002811
Online banking and IFSC IOBA0002811
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KAMBAR COLONY CHENNAI 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 IOBA0002811 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 Kambar Colony Chennai branch
The branch is located at 65 THIRUMANGALAM ROAD VILLIVAKKAM CHENNAI 600049, 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 Kambar Colony Chennai branch” — the verified location pin for IFSC IOBA0002811 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0002811 and your account number.
Common mistakes to avoid when using IFSC IOBA0002811
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 – KAMBAR COLONY CHENNAI, 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:
IOBA0002811. - 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 Kambar Colony Chennai 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 IOBA0002811 continue to work without interruption.
Verifying IFSC IOBA0002811 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 IOBA0002811 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankKambar Colony Chennai Branch
65 THIRUMANGALAM ROAD VILLIVAKKAM CHENNAI 600049
Chennai, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0002811
Frequently asked questions
How quickly will an NEFT transfer using IOBA0002811 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kambar Colony Chennai reflect within 30 minutes.
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 Kambar Colony Chennai branch but serve different purposes.
Does Indian Overseas Bank Kambar Colony Chennai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Where is Indian Overseas Bank Kambar Colony Chennai branch located?
Indian Overseas Bank's Kambar Colony Chennai branch is located at 65 THIRUMANGALAM ROAD VILLIVAKKAM CHENNAI 600049, Chennai, Tamil Nadu.
Can I use IFSC IOBA0002811 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002811 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Kambar Colony Chennai branch?
The IFSC code of Indian Overseas Bank, Kambar Colony Chennai branch is IOBA0002811. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0002811 valid for NEFT and RTGS?
Yes. IFSC IOBA0002811 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Kambar Colony Chennai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002811, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0002811 belongs to Indian Overseas Bank's KAMBAR COLONY CHENNAI branch, located at 65 THIRUMANGALAM ROAD VILLIVAKKAM CHENNAI 600049 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.
