This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, EZHUKONE branch in EZHUKONE. The 11-digit IFSC IOBA0000303 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 EZHUKONE 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, IOBA0000303 is the IFSC of Indian Overseas Bank's EZHUKONE branch. The format is fixed: IOBA = bank code, 0 = reserved, 000303 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ezhukone branch — IFSC IOBA0000303 — extends the bank's services to customers in and around Ezhukone, Kerala.
About this branch
The branch is located at PANCHAYAT BUILDINGS, EZHUKONE, PIN 691505. It serves the Ezhukone 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 IOBA0000303 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ezhukone |
| IFSC Code | IOBA0000303 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PANCHAYAT BUILDINGS, EZHUKONE, PIN 691505 |
| City | Ezhukone |
| District | Kollam |
| State | Kerala |
| Phone | 2484714 |
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 EZHUKONE branch came to be assigned the code IOBA0000303.
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 IOBA0000303, money simply cannot be routed to the EZHUKONE 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 IOBA0000303 and the account number together uniquely identify the Ezhukone branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0000303
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 IOBA0000303 across all three.
How to use IFSC IOBA0000303 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's EZHUKONE 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 IOBA0000303.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as EZHUKONE.
- 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 EZHUKONE
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's EZHUKONE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000303 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 – EZHUKONE, use IMPS. With IFSC IOBA0000303 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 IOBA0000303 for Indian Overseas Bank – EZHUKONE, 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 – IOBA0000303 | Yes – IOBA0000303 | Yes – IOBA0000303 |
For most retail customers crediting the Ezhukone 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 EZHUKONE branch, the IFSC IOBA0000303 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 Ezhukone branch is mapped to IFSC IOBA0000303 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 IOBA0000303.
Products and services
Customers walking into the Ezhukone 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 IOBA0000303
Online banking and IFSC IOBA0000303
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the EZHUKONE 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 IOBA0000303 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 Ezhukone branch sits at PANCHAYAT BUILDINGS, EZHUKONE, PIN 691505. If you are travelling from outside Ezhukone, search for the branch on a maps application using the bank name and locality, or call 2484714 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 IOBA0000303 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 – EZHUKONE:
- The IFSC is exactly IOBA0000303 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 EZHUKONE 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.
Working hours
Branch counters at Ezhukone 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 IOBA0000303 continue to work without interruption.
Verifying IFSC IOBA0000303 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 IOBA0000303 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2484714.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankEzhukone Branch
PANCHAYAT BUILDINGS, EZHUKONE, PIN 691505
Ezhukone, Kerala
Phone: 2484714
IFSC: IOBA0000303
Frequently asked questions
How quickly will an NEFT transfer using IOBA0000303 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ezhukone reflect within 30 minutes.
Does Indian Overseas Bank Ezhukone branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2484714 to confirm.
What is the phone number of Indian Overseas Bank Ezhukone branch?
You can reach the branch at 2484714 during regular banking hours.
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 Ezhukone branch but serve different purposes.
Is IFSC IOBA0000303 the same for all accounts at Ezhukone branch?
Yes. The IFSC IOBA0000303 is shared by every account held at Indian Overseas Bank's Ezhukone branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Ezhukone branch located?
Indian Overseas Bank's Ezhukone branch is located at PANCHAYAT BUILDINGS, EZHUKONE, PIN 691505, Ezhukone, Kerala.
Summary
The IFSC code IOBA0000303 belongs to Indian Overseas Bank's EZHUKONE branch, located at PANCHAYAT BUILDINGS, EZHUKONE, PIN 691505 in EZHUKONE, 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.
