If you are searching for the IFSC code of Indian Overseas Bank, KOTHAPULLI REDDIYAR branch in DINDIGUL, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0002706. 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 KOTHAPULLI REDDIYAR branch, and detailed step-by-step guides for using the IFSC IOBA0002706 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.
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, IOBA0002706 is the IFSC of Indian Overseas Bank's KOTHAPULLI REDDIYAR branch. The format is fixed: IOBA = bank code, 0 = reserved, 002706 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kothapulli Reddiyar branch — IFSC IOBA0002706 — extends the bank's services to customers in and around Dindigul, Tamil Nadu.
About this branch
The branch is located at 679BY3 RAILWAY STATION ROAD,KOTHAPULLI VIL.,REDDIYARCHATRAM DINDIGUL 624622. 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 IOBA0002706 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kothapulli Reddiyar |
| IFSC Code | IOBA0002706 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 679BY3 RAILWAY STATION ROAD,KOTHAPULLI VIL.,REDDIYARCHATRAM DINDIGUL 624622 |
| City | Dindigul |
| District | Dindigul |
| State | Tamil Nadu |
| STD Code | 451 |
| Phone | 2554123 |
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 KOTHAPULLI REDDIYAR branch came to be assigned the code IOBA0002706.
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 IOBA0002706, money simply cannot be routed to the KOTHAPULLI REDDIYAR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Kothapulli Reddiyar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002706 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 IOBA0002706
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 IOBA0002706 across all three.
How to use IFSC IOBA0002706 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KOTHAPULLI REDDIYAR 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 IOBA0002706.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KOTHAPULLI REDDIYAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to KOTHAPULLI REDDIYAR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KOTHAPULLI REDDIYAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002706 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 – KOTHAPULLI REDDIYAR, use IMPS. With IFSC IOBA0002706 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 IOBA0002706 for Indian Overseas Bank – KOTHAPULLI REDDIYAR, 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 – IOBA0002706 | Yes – IOBA0002706 | Yes – IOBA0002706 |
For most retail customers crediting the Kothapulli Reddiyar 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 KOTHAPULLI REDDIYAR branch, the IFSC IOBA0002706 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 Kothapulli Reddiyar branch is mapped to IFSC IOBA0002706 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 IOBA0002706.
Products and services
Customers walking into the Kothapulli Reddiyar 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 IOBA0002706
Online banking and IFSC IOBA0002706
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KOTHAPULLI REDDIYAR 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 IOBA0002706 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 Kothapulli Reddiyar branch sits at 679BY3 RAILWAY STATION ROAD,KOTHAPULLI VIL.,REDDIYARCHATRAM DINDIGUL 624622. If you are travelling from outside Dindigul, search for the branch on a maps application using the bank name and locality, or call 451-2554123 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 IOBA0002706 and your account number.
Common mistakes to avoid when using IFSC IOBA0002706
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 – KOTHAPULLI REDDIYAR, 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:
IOBA0002706. - 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.
Working hours
Branch counters at Kothapulli Reddiyar 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 IOBA0002706 continue to work without interruption.
Verifying IFSC IOBA0002706 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 IOBA0002706 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 451-2554123.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankKothapulli Reddiyar Branch
679BY3 RAILWAY STATION ROAD,KOTHAPULLI VIL.,REDDIYARCHATRAM DINDIGUL 624622
Dindigul, Tamil Nadu
Phone: 451-2554123
IFSC: IOBA0002706
Frequently asked questions
How quickly will an NEFT transfer using IOBA0002706 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kothapulli Reddiyar reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Kothapulli Reddiyar branch?
The IFSC code of Indian Overseas Bank, Kothapulli Reddiyar branch is IOBA0002706. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0002706 the same for all accounts at Kothapulli Reddiyar branch?
Yes. The IFSC IOBA0002706 is shared by every account held at Indian Overseas Bank's Kothapulli Reddiyar branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank Kothapulli Reddiyar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002706, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Kothapulli Reddiyar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 451-2554123 to confirm.
What is the phone number of Indian Overseas Bank Kothapulli Reddiyar branch?
You can reach the branch at 451-2554123 during regular banking hours.
Where is Indian Overseas Bank Kothapulli Reddiyar branch located?
Indian Overseas Bank's Kothapulli Reddiyar branch is located at 679BY3 RAILWAY STATION ROAD,KOTHAPULLI VIL.,REDDIYARCHATRAM DINDIGUL 624622, Dindigul, Tamil Nadu.
Summary
The IFSC code IOBA0002706 belongs to Indian Overseas Bank's KOTHAPULLI REDDIYAR branch, located at 679BY3 RAILWAY STATION ROAD,KOTHAPULLI VIL.,REDDIYARCHATRAM DINDIGUL 624622 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.
