This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, DINDIGUL SILAPADI branch in DINDIGUL. The 11-digit IFSC IOBA0002685 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 DINDIGUL SILAPADI 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.
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 – DINDIGUL SILAPADI is IOBA0002685. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002685 map to this branch in DINDIGUL, TAMIL NADU.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Dindigul Silapadi branch in Dindigul. 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, IOBA0002685.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Dindigul Silapadi |
| IFSC Code | IOBA0002685 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 17 & 18, SRI SELVA VINAYAGAR NAGAR, SILAPADI ROAD, SILAPADI, DINDIGUL - 624 005 |
| City | Dindigul |
| District | Dindigul |
| State | Tamil Nadu |
| STD Code | 451 |
| Phone | 2411455 |
About this branch
The branch is located at PLOT NO 17 & 18, SRI SELVA VINAYAGAR NAGAR, SILAPADI ROAD, SILAPADI, DINDIGUL - 624 005. It serves the Dindigul 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 IOBA0002685 is used to identify this branch on the RBI payments network.
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 DINDIGUL SILAPADI branch came to be assigned the code IOBA0002685.
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 IOBA0002685, money simply cannot be routed to the DINDIGUL SILAPADI branch electronically.
Account types you can open at the Dindigul Silapadi branch
Once you have an account at Indian Overseas Bank – DINDIGUL SILAPADI, the IFSC IOBA0002685 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.
Products and services
Customers walking into the Dindigul Silapadi 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 IOBA0002685
How to transfer money using IFSC IOBA0002685
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 IOBA0002685 across all three.
NEFT to Indian Overseas Bank, DINDIGUL SILAPADI using IFSC IOBA0002685
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 IOBA0002685, and confirm that the system picks up Indian Overseas Bank – DINDIGUL SILAPADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DINDIGUL SILAPADI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's DINDIGUL SILAPADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002685 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank DINDIGUL SILAPADI (IFSC IOBA0002685)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002685 in your mobile or internet banking app, and the money is credited to the DINDIGUL SILAPADI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002685 for Indian Overseas Bank – DINDIGUL SILAPADI, 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 – IOBA0002685 | Yes – IOBA0002685 | Yes – IOBA0002685 |
For most retail customers crediting the Dindigul Silapadi 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 DINDIGUL SILAPADI branch, the IFSC IOBA0002685 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.
Online banking and IFSC IOBA0002685
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the DINDIGUL SILAPADI 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 IOBA0002685 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.
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 IOBA0002685 and the account number together uniquely identify the Dindigul Silapadi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0002685
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 – DINDIGUL SILAPADI, 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:
IOBA0002685. - 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.
Reaching the branch
The Dindigul Silapadi branch sits at PLOT NO 17 & 18, SRI SELVA VINAYAGAR NAGAR, SILAPADI ROAD, SILAPADI, DINDIGUL - 624 005. If you are travelling from outside Dindigul, search for the branch on a maps application using the bank name and locality, or call 451-2411455 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 IOBA0002685 and your account number.
Verifying IFSC IOBA0002685 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 IOBA0002685 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 451-2411455.
- 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 Dindigul Silapadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002685, however, work 24x7.
Branch address & contact
Indian Overseas BankDindigul Silapadi Branch
PLOT NO 17 & 18, SRI SELVA VINAYAGAR NAGAR, SILAPADI ROAD, SILAPADI, DINDIGUL - 624 005
Dindigul, Tamil Nadu
Phone: 451-2411455
IFSC: IOBA0002685
Frequently asked questions
Does Indian Overseas Bank Dindigul Silapadi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 451-2411455 to confirm.
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 Dindigul Silapadi branch but serve different purposes.
What is the phone number of Indian Overseas Bank Dindigul Silapadi branch?
You can reach the branch at 451-2411455 during regular banking hours.
Is IFSC IOBA0002685 the same for all accounts at Dindigul Silapadi branch?
Yes. The IFSC IOBA0002685 is shared by every account held at Indian Overseas Bank's Dindigul Silapadi branch. Only the account number changes from customer to customer.
Is IFSC IOBA0002685 valid for NEFT and RTGS?
Yes. IFSC IOBA0002685 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0002685 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Dindigul Silapadi reflect within 30 minutes.
Can I use IFSC IOBA0002685 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002685 to send funds instantly.
Where is Indian Overseas Bank Dindigul Silapadi branch located?
Indian Overseas Bank's Dindigul Silapadi branch is located at PLOT NO 17 & 18, SRI SELVA VINAYAGAR NAGAR, SILAPADI ROAD, SILAPADI, DINDIGUL - 624 005, Dindigul, Tamil Nadu.
Summary
The IFSC code IOBA0002685 belongs to Indian Overseas Bank's DINDIGUL SILAPADI branch, located at PLOT NO 17 & 18, SRI SELVA VINAYAGAR NAGAR, SILAPADI ROAD, SILAPADI, DINDIGUL… in DINDIGUL, 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.
