Below are the complete branch details for Indian Overseas Bank, CHINTAMANI branch, located in CHIKMAGALUR, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003476. 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 IOBA0003476 for Indian Overseas Bank – CHINTAMANI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 CHINTAMANI branch, the IFSC IOBA0003476 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003476 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Chintamani branch in Chikmagalur. 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, IOBA0003476.
About this branch
The branch is located at 2442 GROUND FLOOR, CHURCH ROAD,NEAR KPTCL OFFICE, NP EXTN, CHINTAMAIL,CHIKBALLAPUR DT.563125. It serves the Chikmagalur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0003476 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Chintamani |
| IFSC Code | IOBA0003476 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 2442 GROUND FLOOR, CHURCH ROAD,NEAR KPTCL OFFICE, NP EXTN, CHINTAMAIL,CHIKBALLAPUR DT.563125 |
| City | Chikmagalur |
| District | Chikmagalur |
| State | Karnataka |
| STD Code | 80 |
| Phone | 22950210 |
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 CHINTAMANI branch came to be assigned the code IOBA0003476.
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 IOBA0003476, money simply cannot be routed to the CHINTAMANI branch electronically.
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 IOBA0003476 and the account number together uniquely identify the Chintamani branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003476
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 IOBA0003476 across all three.
NEFT to Indian Overseas Bank, CHINTAMANI using IFSC IOBA0003476
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 IOBA0003476, and confirm that the system picks up Indian Overseas Bank – CHINTAMANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHINTAMANI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's CHINTAMANI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003476 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 – CHINTAMANI, use IMPS. With IFSC IOBA0003476 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 IOBA0003476 for Indian Overseas Bank – CHINTAMANI, 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 – IOBA0003476 | Yes – IOBA0003476 | Yes – IOBA0003476 |
For most retail customers crediting the Chintamani 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Overseas Bank's CHINTAMANI branch, the IFSC IOBA0003476 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Chintamani branch is mapped to IFSC IOBA0003476 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 IOBA0003476.
Products and services
Customers walking into the Chintamani 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 IOBA0003476
Online banking and IFSC IOBA0003476
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the CHINTAMANI 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 IOBA0003476 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 Chintamani branch sits at 2442 GROUND FLOOR, CHURCH ROAD,NEAR KPTCL OFFICE, NP EXTN, CHINTAMAIL,CHIKBALLAPUR DT.563125. If you are travelling from outside Chikmagalur, search for the branch on a maps application using the bank name and locality, or call 80-22950210 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 IOBA0003476 and your account number.
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 – CHINTAMANI:
- The IFSC is exactly IOBA0003476 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 CHINTAMANI 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.
Working hours
Branch counters at Chintamani 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 IOBA0003476 continue to work without interruption.
Verifying IFSC IOBA0003476 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 IOBA0003476 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-22950210.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankChintamani Branch
2442 GROUND FLOOR, CHURCH ROAD,NEAR KPTCL OFFICE, NP EXTN, CHINTAMAIL,CHIKBALLAPUR DT.563125
Chikmagalur, Karnataka
Phone: 80-22950210
IFSC: IOBA0003476
Frequently asked questions
Is IFSC IOBA0003476 the same for all accounts at Chintamani branch?
Yes. The IFSC IOBA0003476 is shared by every account held at Indian Overseas Bank's Chintamani branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Chintamani branch?
You can reach the branch at 80-22950210 during regular banking hours.
Does Indian Overseas Bank Chintamani branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 80-22950210 to confirm.
Can I use IFSC IOBA0003476 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003476 to send funds instantly.
How do I add Indian Overseas Bank Chintamani as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003476, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0003476 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Chintamani reflect within 30 minutes.
Where is Indian Overseas Bank Chintamani branch located?
Indian Overseas Bank's Chintamani branch is located at 2442 GROUND FLOOR, CHURCH ROAD,NEAR KPTCL OFFICE, NP EXTN, CHINTAMAIL,CHIKBALLAPUR DT.563125, Chikmagalur, Karnataka.
What is the IFSC code of Indian Overseas Bank Chintamani branch?
The IFSC code of Indian Overseas Bank, Chintamani branch is IOBA0003476. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0003476 belongs to Indian Overseas Bank's CHINTAMANI branch, located at 2442 GROUND FLOOR, CHURCH ROAD,NEAR KPTCL OFFICE, NP EXTN,… in CHIKMAGALUR, KARNATAKA. 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.
