This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, M C C CAMPUS branch in CHENNAI. The 11-digit IFSC IOBA0000191 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the M C C CAMPUS location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's M C C CAMPUS branch, the IFSC IOBA0000191 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000191 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | M C C Campus |
| IFSC Code | IOBA0000191 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 295, MCC CAMPUS, VELACHERY ROAD, TAMBARAM EAST, CHENNAI 600059 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| Phone | 22375612 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its M C C Campus branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code IOBA0000191 for all electronic settlement.
About the M C C Campus branch
The M C C Campus branch of Indian Overseas Bank is situated at 295, MCC CAMPUS, VELACHERY ROAD, TAMBARAM EAST, CHENNAI 600059. 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 IOBA0000191 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 M C C CAMPUS branch came to be assigned the code IOBA0000191.
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 IOBA0000191, money simply cannot be routed to the M C C CAMPUS branch electronically.
How to transfer money using IFSC IOBA0000191
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 IOBA0000191 across all three.
How to use IFSC IOBA0000191 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's M C C CAMPUS 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 IOBA0000191.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as M C C CAMPUS.
- 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 M C C CAMPUS
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's M C C CAMPUS branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000191 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 – M C C CAMPUS, use IMPS. With IFSC IOBA0000191 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to M C C Campus
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 IOBA0000191:
- 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 M C C CAMPUS is still linked to IFSC IOBA0000191.
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 IOBA0000191
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 – M C C CAMPUS is still mapped to IFSC IOBA0000191. 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 IOBA0000191 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the M C C Campus branch is mapped to IFSC IOBA0000191 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 IOBA0000191.
Banking services available
The M C C Campus branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22375612.
- 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 IOBA0000191
MICR & cheque-truncation details
Cheques drawn on the M C C Campus branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000191 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0000191
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the M C C CAMPUS 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 IOBA0000191 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 IOBA0000191
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 – M C C CAMPUS, 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:
IOBA0000191. - 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 M C C Campus branch
The branch is located at 295, MCC CAMPUS, VELACHERY ROAD, TAMBARAM EAST, CHENNAI 600059, 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 M C C Campus branch” — the verified location pin for IFSC IOBA0000191 should appear at the top of the results.
- Confirm the branch is open by calling 22375612 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 IOBA0000191 and your account number.
Verifying IFSC IOBA0000191 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 IOBA0000191 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22375612.
- Visiting the bank's official branch locator page.
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 M C C Campus branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000191, however, work 24x7.
Branch address & contact
Indian Overseas BankM C C Campus Branch
295, MCC CAMPUS, VELACHERY ROAD, TAMBARAM EAST, CHENNAI 600059
Chennai, Tamil Nadu
Phone: 22375612
IFSC: IOBA0000191
Frequently asked questions
Where is Indian Overseas Bank M C C Campus branch located?
Indian Overseas Bank's M C C Campus branch is located at 295, MCC CAMPUS, VELACHERY ROAD, TAMBARAM EAST, CHENNAI 600059, Chennai, Tamil Nadu.
Is IFSC IOBA0000191 the same for all accounts at M C C Campus branch?
Yes. The IFSC IOBA0000191 is shared by every account held at Indian Overseas Bank's M C C Campus branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank M C C Campus branch?
You can reach the branch at 22375612 during regular banking hours.
Can I use IFSC IOBA0000191 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000191 to send funds instantly.
Does Indian Overseas Bank M C C Campus branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22375612 to confirm.
What is the IFSC code of Indian Overseas Bank M C C Campus branch?
The IFSC code of Indian Overseas Bank, M C C Campus branch is IOBA0000191. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0000191 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – M C C Campus reflect within 30 minutes.
Summary
The IFSC code IOBA0000191 belongs to Indian Overseas Bank's M C C CAMPUS branch, located at 295, MCC CAMPUS, VELACHERY ROAD, TAMBARAM EAST, CHENNAI 600059 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.
