Use this page as a one-stop reference for everything related to Indian Overseas Bank's EDAVA branch in EDAVA, KERALA. The branch's IFSC code IOBA0000550 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, IOBA0000550 is the IFSC of Indian Overseas Bank's EDAVA branch. The format is fixed: IOBA = bank code, 0 = reserved, 000550 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Edava |
| IFSC Code | IOBA0000550 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHAMSHAD BUILDING EDAVA PIN 695311 |
| City | Edava |
| District | Thiruvananthapuram |
| State | Kerala |
| Phone | 2660018 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Edava branch in Edava. 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, IOBA0000550.
Edava branch overview
Located at SHAMSHAD BUILDING EDAVA PIN 695311, the Edava branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000550 is required for all interbank electronic transfers routed through this branch.
Why every Indian Overseas Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including EDAVA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000550 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IOBA0000550 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0000550
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 IOBA0000550 across all three.
NEFT to Indian Overseas Bank, EDAVA using IFSC IOBA0000550
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 IOBA0000550, and confirm that the system picks up Indian Overseas Bank – EDAVA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0000550
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 – EDAVA, ensure your bank's portal accepts IFSC IOBA0000550 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank EDAVA (IFSC IOBA0000550)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000550 in your mobile or internet banking app, and the money is credited to the EDAVA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Edava
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 IOBA0000550:
- 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 EDAVA is still linked to IFSC IOBA0000550.
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.
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 EDAVA branch, the IFSC IOBA0000550 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 Edava branch is mapped to IFSC IOBA0000550 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 IOBA0000550.
Products and services
Customers walking into the Edava 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 IOBA0000550
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 IOBA0000550 and the account number together uniquely identify the Edava branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Edava 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 IOBA0000550 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.
Common mistakes to avoid when using IFSC IOBA0000550
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 – EDAVA, 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:
IOBA0000550. - 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.
How to reach the Edava branch
The branch is located at SHAMSHAD BUILDING EDAVA PIN 695311, which puts it inside Edava, the broader Thiruvananthapuram district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Edava branch” — the verified location pin for IFSC IOBA0000550 should appear at the top of the results.
- Confirm the branch is open by calling 2660018 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 IOBA0000550 and your account number.
Verifying IFSC IOBA0000550 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 IOBA0000550 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2660018.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Edava 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 IOBA0000550 continue to work without interruption.
Branch address & contact
Indian Overseas BankEdava Branch
SHAMSHAD BUILDING EDAVA PIN 695311
Edava, Kerala
Phone: 2660018
IFSC: IOBA0000550
Frequently asked questions
Where is Indian Overseas Bank Edava branch located?
Indian Overseas Bank's Edava branch is located at SHAMSHAD BUILDING EDAVA PIN 695311, Edava, Kerala.
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 Edava branch but serve different purposes.
Can I use IFSC IOBA0000550 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000550 to send funds instantly.
Does Indian Overseas Bank Edava branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2660018 to confirm.
How do I add Indian Overseas Bank Edava as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000550, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0000550 the same for all accounts at Edava branch?
Yes. The IFSC IOBA0000550 is shared by every account held at Indian Overseas Bank's Edava branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Edava branch?
The IFSC code of Indian Overseas Bank, Edava branch is IOBA0000550. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000550 valid for NEFT and RTGS?
Yes. IFSC IOBA0000550 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IOBA0000550 is the IFSC code of Indian Overseas Bank, EDAVA branch, in EDAVA, KERALA. 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.
