IFSC Code of Indian Overseas Bank, Chintalavalasa Branch, Andhra Pradesh

If you are searching for the IFSC code of Indian Overseas Bank, CHINTALAVALASA branch in CHINTALAVALASA, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0002498. 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 CHINTALAVALASA branch, and detailed step-by-step guides for using the IFSC IOBA0002498 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.

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 CHINTALAVALASA branch, the IFSC IOBA0002498 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002498 identifies this particular branch.

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chintalavalasa branch — IFSC IOBA0002498 — extends the bank's services to customers in and around Chintalavalasa, Andhra Pradesh.

Branch details at a glance

Chintalavalasa branch overview

Located at 6 1 SATYANARAYANAPURAM NEAR ASP QUARTERS CHINTALAVALASA VIZIANAGARAM DISRICT PIN 535005, the Chintalavalasa branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0002498 is required for all interbank electronic transfers routed through this branch.

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 CHINTALAVALASA branch came to be assigned the code IOBA0002498.

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 IOBA0002498, money simply cannot be routed to the CHINTALAVALASA branch electronically.

Account types you can open at the Chintalavalasa branch

Once you have an account at Indian Overseas Bank – CHINTALAVALASA, the IFSC IOBA0002498 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Chintalavalasa branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 241139.

• 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 IOBA0002498

How to transfer money using IFSC IOBA0002498

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 IOBA0002498 across all three.

How to use IFSC IOBA0002498 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's CHINTALAVALASA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0002498.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as CHINTALAVALASA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IOBA0002498

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 – CHINTALAVALASA, ensure your bank's portal accepts IFSC IOBA0002498 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank CHINTALAVALASA (IFSC IOBA0002498)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002498 in your mobile or internet banking app, and the money is credited to the CHINTALAVALASA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chintalavalasa

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 IOBA0002498:

• 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 CHINTALAVALASA is still linked to IFSC IOBA0002498.

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 IOBA0002498

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 – CHINTALAVALASA is still mapped to IFSC IOBA0002498. 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 IOBA0002498 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Chintalavalasa branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0002498 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Chintalavalasa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002498 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – CHINTALAVALASA:

• The IFSC is exactly IOBA0002498 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 CHINTALAVALASA 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 Chintalavalasa branch

The branch is located at 6 1 SATYANARAYANAPURAM NEAR ASP QUARTERS CHINTALAVALASA VIZIANAGARAM DISRICT PIN 535005, which puts it inside Chintalavalasa, the broader Vizianagaram district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Chintalavalasa branch” — the verified location pin for IFSC IOBA0002498 should appear at the top of the results.
2. Confirm the branch is open by calling 241139 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 IOBA0002498 and your account number.

Verifying IFSC IOBA0002498 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 IOBA0002498 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 241139.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chintalavalasa 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 IOBA0002498 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0002498 is the IFSC code of Indian Overseas Bank, CHINTALAVALASA branch, in CHINTALAVALASA, ANDHRA PRADESH. 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.