Below are the complete branch details for Indian Overseas Bank, PERIARNAGAR SECRETARIAT branch, located in CHENNAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001084. 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 IOBA0001084 for Indian Overseas Bank – PERIARNAGAR SECRETARIAT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – PERIARNAGAR SECRETARIAT is IOBA0001084. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001084 map to this branch in CHENNAI, TAMIL NADU.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Periarnagar Secretariat branch in Chennai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0001084.
About the Periarnagar Secretariat branch
The Periarnagar Secretariat branch of Indian Overseas Bank is situated at 7 BY A-42, KARTHIKEYAN SALAI, PERIAR NAGAR, CHENNAI - 82, PIN 600082. 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 IOBA0001084 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Periarnagar Secretariat |
| IFSC Code | IOBA0001084 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 7 BY A-42, KARTHIKEYAN SALAI, PERIAR NAGAR, CHENNAI - 82, PIN 600082 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| Phone | 25500709 |
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 PERIARNAGAR SECRETARIAT of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001084 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 IOBA0001084 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 Periarnagar Secretariat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001084 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 IOBA0001084
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 IOBA0001084 across all three.
NEFT to Indian Overseas Bank, PERIARNAGAR SECRETARIAT using IFSC IOBA0001084
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 IOBA0001084, and confirm that the system picks up Indian Overseas Bank – PERIARNAGAR SECRETARIAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0001084
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 – PERIARNAGAR SECRETARIAT, ensure your bank's portal accepts IFSC IOBA0001084 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank PERIARNAGAR SECRETARIAT (IFSC IOBA0001084)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001084 in your mobile or internet banking app, and the money is credited to the PERIARNAGAR SECRETARIAT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0001084 for Indian Overseas Bank – PERIARNAGAR SECRETARIAT, 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 – IOBA0001084 | Yes – IOBA0001084 | Yes – IOBA0001084 |
For most retail customers crediting the Periarnagar Secretariat 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 IOBA0001084
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 – PERIARNAGAR SECRETARIAT is still mapped to IFSC IOBA0001084. 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 IOBA0001084 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Periarnagar Secretariat branch is mapped to IFSC IOBA0001084 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 IOBA0001084.
Products and services
Customers walking into the Periarnagar Secretariat 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 IOBA0001084
Online banking and IFSC IOBA0001084
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the PERIARNAGAR SECRETARIAT 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 IOBA0001084 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.
Reaching the branch
The Periarnagar Secretariat branch sits at 7 BY A-42, KARTHIKEYAN SALAI, PERIAR NAGAR, CHENNAI - 82, PIN 600082. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call 25500709 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 IOBA0001084 and your account number.
Common mistakes to avoid when using IFSC IOBA0001084
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 – PERIARNAGAR SECRETARIAT, 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:
IOBA0001084. - 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.
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 Periarnagar Secretariat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001084, however, work 24x7.
Verifying IFSC IOBA0001084 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 IOBA0001084 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 25500709.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankPeriarnagar Secretariat Branch
7 BY A-42, KARTHIKEYAN SALAI, PERIAR NAGAR, CHENNAI - 82, PIN 600082
Chennai, Tamil Nadu
Phone: 25500709
IFSC: IOBA0001084
Frequently asked questions
Can I use IFSC IOBA0001084 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001084 to send funds instantly.
How quickly will an NEFT transfer using IOBA0001084 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Periarnagar Secretariat reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Periarnagar Secretariat branch?
The IFSC code of Indian Overseas Bank, Periarnagar Secretariat branch is IOBA0001084. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0001084 the same for all accounts at Periarnagar Secretariat branch?
Yes. The IFSC IOBA0001084 is shared by every account held at Indian Overseas Bank's Periarnagar Secretariat branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank Periarnagar Secretariat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001084, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Periarnagar Secretariat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 25500709 to confirm.
Is IFSC IOBA0001084 valid for NEFT and RTGS?
Yes. IFSC IOBA0001084 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IOBA0001084 belongs to Indian Overseas Bank's PERIARNAGAR SECRETARIAT branch, located at 7 BY A-42, KARTHIKEYAN SALAI, PERIAR NAGAR, CHENNAI - 82, PIN 600082 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.
