Below are the complete branch details for Indian Overseas Bank, HEBBUR branch, located in HEBBUR, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000317. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0000317 for Indian Overseas Bank – HEBBUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IOBA0000317 is the IFSC of Indian Overseas Bank's HEBBUR branch. The format is fixed: IOBA = bank code, 0 = reserved, 000317 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Hebbur |
| IFSC Code | IOBA0000317 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 644 BY 4 MAIN ROAD HEBBUR PIN 572120 |
| City | Hebbur |
| District | Tumkur |
| State | Karnataka |
| STD Code | 95816 |
| Phone | 2241499 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Hebbur branch in Hebbur, Karnataka is part of this network and uses the IFSC code IOBA0000317 for all electronic settlement.
About the Hebbur branch
The Hebbur branch of Indian Overseas Bank is situated at 644 BY 4 MAIN ROAD HEBBUR PIN 572120. 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 IOBA0000317 is used.
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 HEBBUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000317 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 IOBA0000317 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 IOBA0000317
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 IOBA0000317 across all three.
How to use IFSC IOBA0000317 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's HEBBUR 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 IOBA0000317.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as HEBBUR.
- 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 HEBBUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's HEBBUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000317 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank HEBBUR (IFSC IOBA0000317)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000317 in your mobile or internet banking app, and the money is credited to the HEBBUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000317 for Indian Overseas Bank – HEBBUR, 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 – IOBA0000317 | Yes – IOBA0000317 | Yes – IOBA0000317 |
For most retail customers crediting the Hebbur 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 IOBA0000317
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 – HEBBUR is still mapped to IFSC IOBA0000317. 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 IOBA0000317 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Hebbur branch is mapped to IFSC IOBA0000317 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 IOBA0000317.
Banking services available
The Hebbur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 95816-2241499.
- 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 IOBA0000317
MICR & cheque-truncation details
Cheques drawn on the Hebbur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000317 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0000317
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the HEBBUR 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 IOBA0000317 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.
Common mistakes to avoid when using IFSC IOBA0000317
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 – HEBBUR, 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:
IOBA0000317. - 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 Hebbur branch
The branch is located at 644 BY 4 MAIN ROAD HEBBUR PIN 572120, which puts it inside Hebbur, the broader Tumkur district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Hebbur branch” — the verified location pin for IFSC IOBA0000317 should appear at the top of the results.
- Confirm the branch is open by calling 95816-2241499 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 IOBA0000317 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000317 for Indian Overseas Bank – HEBBUR, 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Hebbur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000317, however, work 24x7.
Branch address & contact
Indian Overseas BankHebbur Branch
644 BY 4 MAIN ROAD HEBBUR PIN 572120
Hebbur, Karnataka
Phone: 95816-2241499
IFSC: IOBA0000317
Frequently asked questions
How do I add Indian Overseas Bank Hebbur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000317, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Hebbur branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0000317 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Hebbur reflect within 30 minutes.
Can I use IFSC IOBA0000317 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000317 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Hebbur branch?
The IFSC code of Indian Overseas Bank, Hebbur branch is IOBA0000317. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000317 the same for all accounts at Hebbur branch?
Yes. The IFSC IOBA0000317 is shared by every account held at Indian Overseas Bank's Hebbur branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Hebbur branch?
You can reach the branch at 95816-2241499 during regular banking hours.
Where is Indian Overseas Bank Hebbur branch located?
Indian Overseas Bank's Hebbur branch is located at 644 BY 4 MAIN ROAD HEBBUR PIN 572120, Hebbur, Karnataka.
Summary
The IFSC code IOBA0000317 belongs to Indian Overseas Bank's HEBBUR branch, located at 644 BY 4 MAIN ROAD HEBBUR PIN 572120 in HEBBUR, KARNATAKA. 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.
