IFSC Code of Indian Overseas Bank, Ganapathy Agraharam Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Indian Overseas Bank's GANAPATHY AGRAHARAM branch in GANAPATHY AGRAHARAM, TAMIL NADU. The branch's IFSC code IOBA0001268 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.

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 – GANAPATHY AGRAHARAM is IOBA0001268. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001268 map to this branch in GANAPATHY AGRAHARAM, TAMIL NADU.

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ganapathy Agraharam branch — IFSC IOBA0001268 — extends the bank's services to customers in and around Ganapathy Agraharam, Tamil Nadu.

About this branch

The branch is located at 642 NORTH STREET GANAPATHI AGRAHARAM PIN 614202. It serves the Ganapathy Agraharam 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 IOBA0001268 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 GANAPATHY AGRAHARAM branch came to be assigned the code IOBA0001268.

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 IOBA0001268, money simply cannot be routed to the GANAPATHY AGRAHARAM branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ganapathy Agraharam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001268 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 IOBA0001268

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 IOBA0001268 across all three.

How to use IFSC IOBA0001268 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's GANAPATHY AGRAHARAM 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0001268.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as GANAPATHY AGRAHARAM.
5. 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 GANAPATHY AGRAHARAM

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's GANAPATHY AGRAHARAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001268 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 – GANAPATHY AGRAHARAM, use IMPS. With IFSC IOBA0001268 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 IOBA0001268 for Indian Overseas Bank – GANAPATHY AGRAHARAM, 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.

For most retail customers crediting the Ganapathy Agraharam 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.

UPI payments and IFSC IOBA0001268

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Overseas Bank – GANAPATHY AGRAHARAM is still mapped to IFSC IOBA0001268. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IOBA0001268 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ganapathy Agraharam branch is mapped to IFSC IOBA0001268 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 IOBA0001268.

Banking services available

The Ganapathy Agraharam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 242594.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0001268

Online banking and IFSC IOBA0001268

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the GANAPATHY AGRAHARAM 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 IOBA0001268 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 Ganapathy Agraharam branch sits at 642 NORTH STREET GANAPATHI AGRAHARAM PIN 614202. If you are travelling from outside Ganapathy Agraharam, search for the branch on a maps application using the bank name and locality, or call 242594 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 IOBA0001268 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 – GANAPATHY AGRAHARAM:

• The IFSC is exactly IOBA0001268 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 GANAPATHY AGRAHARAM 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 Ganapathy Agraharam 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 IOBA0001268 continue to work without interruption.

Verifying IFSC IOBA0001268 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 IOBA0001268 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 242594.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0001268 belongs to Indian Overseas Bank's GANAPATHY AGRAHARAM branch, located at 642 NORTH STREET GANAPATHI AGRAHARAM PIN 614202 in GANAPATHY AGRAHARAM, 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.