Use this page as a one-stop reference for everything related to Indian Overseas Bank's UDYOGAMANDAL INDL branch in ELOOR, KERALA. The branch's IFSC code IOBA0000439 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.
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 UDYOGAMANDAL INDL branch, the IFSC IOBA0000439 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000439 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Udyogamandal Indl |
| IFSC Code | IOBA0000439 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 111 BY 3111A FACTORY ROAD,UDYOGAMANDAL,PIN 683501 |
| City | Eloor |
| District | Ernakulam |
| State | Kerala |
| Phone | 2545873 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Udyogamandal Indl branch in Eloor, Kerala is part of this network and uses the IFSC code IOBA0000439 for all electronic settlement.
Udyogamandal Indl branch overview
Located at 111 BY 3111A FACTORY ROAD,UDYOGAMANDAL,PIN 683501, the Udyogamandal Indl branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000439 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 UDYOGAMANDAL INDL branch came to be assigned the code IOBA0000439.
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 IOBA0000439, money simply cannot be routed to the UDYOGAMANDAL INDL branch electronically.
How to transfer money using IFSC IOBA0000439
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 IOBA0000439 across all three.
NEFT to Indian Overseas Bank, UDYOGAMANDAL INDL using IFSC IOBA0000439
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 IOBA0000439, and confirm that the system picks up Indian Overseas Bank – UDYOGAMANDAL INDL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to UDYOGAMANDAL INDL
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's UDYOGAMANDAL INDL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000439 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 – UDYOGAMANDAL INDL, use IMPS. With IFSC IOBA0000439 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 IOBA0000439 for Indian Overseas Bank – UDYOGAMANDAL INDL, 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 – IOBA0000439 | Yes – IOBA0000439 | Yes – IOBA0000439 |
For most retail customers crediting the Udyogamandal Indl 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 UDYOGAMANDAL INDL branch, the IFSC IOBA0000439 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 Udyogamandal Indl branch is mapped to IFSC IOBA0000439 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 IOBA0000439.
Products and services
Customers walking into the Udyogamandal Indl 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 IOBA0000439
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 IOBA0000439 and the account number together uniquely identify the Udyogamandal Indl branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0000439
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the UDYOGAMANDAL INDL 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 IOBA0000439 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.
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 – UDYOGAMANDAL INDL:
- The IFSC is exactly IOBA0000439 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 UDYOGAMANDAL INDL 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.
Reaching the branch
The Udyogamandal Indl branch sits at 111 BY 3111A FACTORY ROAD,UDYOGAMANDAL,PIN 683501. If you are travelling from outside Eloor, search for the branch on a maps application using the bank name and locality, or call 2545873 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 IOBA0000439 and your account number.
Verifying IFSC IOBA0000439 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 IOBA0000439 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2545873.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Udyogamandal Indl 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 IOBA0000439 continue to work without interruption.
Branch address & contact
Indian Overseas BankUdyogamandal Indl Branch
111 BY 3111A FACTORY ROAD,UDYOGAMANDAL,PIN 683501
Eloor, Kerala
Phone: 2545873
IFSC: IOBA0000439
Frequently asked questions
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 Udyogamandal Indl branch but serve different purposes.
What is the phone number of Indian Overseas Bank Udyogamandal Indl branch?
You can reach the branch at 2545873 during regular banking hours.
Does Indian Overseas Bank Udyogamandal Indl branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2545873 to confirm.
Where is Indian Overseas Bank Udyogamandal Indl branch located?
Indian Overseas Bank's Udyogamandal Indl branch is located at 111 BY 3111A FACTORY ROAD,UDYOGAMANDAL,PIN 683501, Eloor, Kerala.
How do I add Indian Overseas Bank Udyogamandal Indl as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000439, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Udyogamandal Indl branch?
The IFSC code of Indian Overseas Bank, Udyogamandal Indl branch is IOBA0000439. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0000439 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Udyogamandal Indl reflect within 30 minutes.
Is IFSC IOBA0000439 the same for all accounts at Udyogamandal Indl branch?
Yes. The IFSC IOBA0000439 is shared by every account held at Indian Overseas Bank's Udyogamandal Indl branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0000439 belongs to Indian Overseas Bank's UDYOGAMANDAL INDL branch, located at 111 BY 3111A FACTORY ROAD,UDYOGAMANDAL,PIN 683501 in ELOOR, KERALA. 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.
