Use this page as a one-stop reference for everything related to Indian Overseas Bank's GUDIYATHAM branch in GUDIYATHAM, TAMIL NADU. The branch's IFSC code IOBA0000027 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, IOBA0000027 is the IFSC of Indian Overseas Bank's GUDIYATHAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 000027 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Gudiyatham |
| IFSC Code | IOBA0000027 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 42,KOSA ANNAMALAI STREET,GUDIYATHAM PIN 632602 |
| City | Gudiyatham |
| District | Vellore |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Gudiyatham branch in Gudiyatham. 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, IOBA0000027.
About the Gudiyatham branch
The Gudiyatham branch of Indian Overseas Bank is situated at 42,KOSA ANNAMALAI STREET,GUDIYATHAM PIN 632602. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0000027 is used.
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 GUDIYATHAM branch came to be assigned the code IOBA0000027.
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 IOBA0000027, money simply cannot be routed to the GUDIYATHAM branch electronically.
How to transfer money using IFSC IOBA0000027
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 IOBA0000027 across all three.
How to use IFSC IOBA0000027 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's GUDIYATHAM 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 IOBA0000027.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as GUDIYATHAM.
- 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 GUDIYATHAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's GUDIYATHAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000027 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 – GUDIYATHAM, use IMPS. With IFSC IOBA0000027 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 IOBA0000027 for Indian Overseas Bank – GUDIYATHAM, 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 – IOBA0000027 | Yes – IOBA0000027 | Yes – IOBA0000027 |
For most retail customers crediting the Gudiyatham 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 IOBA0000027
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 – GUDIYATHAM is still mapped to IFSC IOBA0000027. 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 IOBA0000027 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Gudiyatham branch is mapped to IFSC IOBA0000027 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 IOBA0000027.
Products and services
Customers walking into the Gudiyatham 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 IOBA0000027
MICR & cheque-truncation details
Cheques drawn on the Gudiyatham branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000027 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0000027
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the GUDIYATHAM 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 IOBA0000027 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 – GUDIYATHAM:
- The IFSC is exactly IOBA0000027 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 GUDIYATHAM 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 Gudiyatham branch sits at 42,KOSA ANNAMALAI STREET,GUDIYATHAM PIN 632602. If you are travelling from outside Gudiyatham, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0000027 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000027 for Indian Overseas Bank – GUDIYATHAM, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Gudiyatham 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 IOBA0000027 continue to work without interruption.
Branch address & contact
Indian Overseas BankGudiyatham Branch
42,KOSA ANNAMALAI STREET,GUDIYATHAM PIN 632602
Gudiyatham, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0000027
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Gudiyatham branch?
The IFSC code of Indian Overseas Bank, Gudiyatham branch is IOBA0000027. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0000027 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Gudiyatham reflect within 30 minutes.
Is IFSC IOBA0000027 the same for all accounts at Gudiyatham branch?
Yes. The IFSC IOBA0000027 is shared by every account held at Indian Overseas Bank's Gudiyatham branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Gudiyatham branch located?
Indian Overseas Bank's Gudiyatham branch is located at 42,KOSA ANNAMALAI STREET,GUDIYATHAM PIN 632602, Gudiyatham, Tamil Nadu.
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 Gudiyatham branch but serve different purposes.
Can I use IFSC IOBA0000027 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000027 to send funds instantly.
Does Indian Overseas Bank Gudiyatham branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Final notes
To recap: IOBA0000027 is the IFSC code of Indian Overseas Bank, GUDIYATHAM branch, in GUDIYATHAM, TAMIL NADU. 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.
