This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, VADAKUTHU branch in CUDDALORE. The 11-digit IFSC IOBA0002898 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 VADAKUTHU 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0002898 is the IFSC of Indian Overseas Bank's VADAKUTHU branch. The format is fixed: IOBA = bank code, 0 = reserved, 002898 = branch identifier.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vadakuthu branch in Cuddalore, Tamil Nadu is part of this network and uses the IFSC code IOBA0002898 for all electronic settlement.
About this branch
The branch is located at 35 S P T MANI NAGAR GANDHINAGAR POST VADAKUTHU VILLAGE 607308. It serves the Cuddalore 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 IOBA0002898 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Vadakuthu |
| IFSC Code | IOBA0002898 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 35 S P T MANI NAGAR GANDHINAGAR POST VADAKUTHU VILLAGE 607308 |
| City | Cuddalore |
| District | Cuddalore |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
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 VADAKUTHU branch came to be assigned the code IOBA0002898.
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 IOBA0002898, money simply cannot be routed to the VADAKUTHU 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 IOBA0002898 and the account number together uniquely identify the Vadakuthu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0002898
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 IOBA0002898 across all three.
How to use IFSC IOBA0002898 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's VADAKUTHU 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 IOBA0002898.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as VADAKUTHU.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0002898
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 – VADAKUTHU, ensure your bank's portal accepts IFSC IOBA0002898 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank VADAKUTHU (IFSC IOBA0002898)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002898 in your mobile or internet banking app, and the money is credited to the VADAKUTHU branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002898 for Indian Overseas Bank – VADAKUTHU, 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 – IOBA0002898 | Yes – IOBA0002898 | Yes – IOBA0002898 |
For most retail customers crediting the Vadakuthu 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 VADAKUTHU branch, the IFSC IOBA0002898 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 Vadakuthu branch is mapped to IFSC IOBA0002898 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 IOBA0002898.
Products and services
Customers walking into the Vadakuthu 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 IOBA0002898
Online banking and IFSC IOBA0002898
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the VADAKUTHU 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 IOBA0002898 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 Vadakuthu branch
The branch is located at 35 S P T MANI NAGAR GANDHINAGAR POST VADAKUTHU VILLAGE 607308, which puts it inside Cuddalore, the broader Cuddalore district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Vadakuthu branch” — the verified location pin for IFSC IOBA0002898 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 IOBA0002898 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 – VADAKUTHU:
- The IFSC is exactly IOBA0002898 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 VADAKUTHU 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.
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 Vadakuthu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002898, however, work 24x7.
Verifying IFSC IOBA0002898 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 IOBA0002898 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 BankVadakuthu Branch
35 S P T MANI NAGAR GANDHINAGAR POST VADAKUTHU VILLAGE 607308
Cuddalore, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0002898
Frequently asked questions
Is IFSC IOBA0002898 the same for all accounts at Vadakuthu branch?
Yes. The IFSC IOBA0002898 is shared by every account held at Indian Overseas Bank's Vadakuthu branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Vadakuthu branch located?
Indian Overseas Bank's Vadakuthu branch is located at 35 S P T MANI NAGAR GANDHINAGAR POST VADAKUTHU VILLAGE 607308, Cuddalore, Tamil Nadu.
What is the IFSC code of Indian Overseas Bank Vadakuthu branch?
The IFSC code of Indian Overseas Bank, Vadakuthu branch is IOBA0002898. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0002898 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Vadakuthu reflect within 30 minutes.
Can I use IFSC IOBA0002898 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002898 to send funds instantly.
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 Vadakuthu branch but serve different purposes.
How do I add Indian Overseas Bank Vadakuthu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002898, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0002898 belongs to Indian Overseas Bank's VADAKUTHU branch, located at 35 S P T MANI NAGAR GANDHINAGAR POST VADAKUTHU VILLAGE 607308 in CUDDALORE, 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.
