Use this page as a one-stop reference for everything related to Indian Overseas Bank's INDI branch in INDI, KARNATAKA. The branch's IFSC code IOBA0003469 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 INDI branch, the IFSC IOBA0003469 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003469 identifies this particular branch.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Indi branch — IFSC IOBA0003469 — extends the bank's services to customers in and around Indi, Karnataka.
Indi branch overview
Located at BESIDE VKG INTERNATIONAL HOTEL, NEAR BUS STAND, INDI-586209, BIJAPUR DIST, KARNATAKA, the Indi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003469 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Indi |
| IFSC Code | IOBA0003469 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BESIDE VKG INTERNATIONAL HOTEL, NEAR BUS STAND, INDI-586209, BIJAPUR DIST, KARNATAKA |
| City | Indi |
| District | Bijapur |
| State | Karnataka |
| STD Code | 866 |
| Phone | 2484913 |
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 INDI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003469 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 IOBA0003469 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IOBA0003469 and the account number together uniquely identify the Indi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003469
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 IOBA0003469 across all three.
How to use IFSC IOBA0003469 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's INDI 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 IOBA0003469.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as INDI.
- 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 INDI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's INDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003469 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank INDI (IFSC IOBA0003469)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003469 in your mobile or internet banking app, and the money is credited to the INDI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003469 for Indian Overseas Bank – INDI, 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 – IOBA0003469 | Yes – IOBA0003469 | Yes – IOBA0003469 |
For most retail customers crediting the Indi 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 INDI branch, the IFSC IOBA0003469 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 Indi branch is mapped to IFSC IOBA0003469 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 IOBA0003469.
Products and services
Customers walking into the Indi 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 IOBA0003469
Online banking and IFSC IOBA0003469
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the INDI 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 IOBA0003469 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.
How to reach the Indi branch
The branch is located at BESIDE VKG INTERNATIONAL HOTEL, NEAR BUS STAND, INDI-586209, BIJAPUR DIST, KARNATAKA, which puts it inside Indi, the broader Bijapur district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Indi branch” — the verified location pin for IFSC IOBA0003469 should appear at the top of the results.
- Confirm the branch is open by calling 866-2484913 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 IOBA0003469 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 – INDI:
- The IFSC is exactly IOBA0003469 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 INDI 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.
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 Indi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003469, however, work 24x7.
Verifying IFSC IOBA0003469 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 IOBA0003469 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 866-2484913.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankIndi Branch
BESIDE VKG INTERNATIONAL HOTEL, NEAR BUS STAND, INDI-586209, BIJAPUR DIST, KARNATAKA
Indi, Karnataka
Phone: 866-2484913
IFSC: IOBA0003469
Frequently asked questions
Does Indian Overseas Bank Indi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 866-2484913 to confirm.
How do I add Indian Overseas Bank Indi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003469, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0003469 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Indi reflect within 30 minutes.
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 Indi branch but serve different purposes.
Is IFSC IOBA0003469 valid for NEFT and RTGS?
Yes. IFSC IOBA0003469 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Overseas Bank Indi branch?
You can reach the branch at 866-2484913 during regular banking hours.
Where is Indian Overseas Bank Indi branch located?
Indian Overseas Bank's Indi branch is located at BESIDE VKG INTERNATIONAL HOTEL, NEAR BUS STAND, INDI-586209, BIJAPUR DIST, KARNATAKA, Indi, Karnataka.
Is IFSC IOBA0003469 the same for all accounts at Indi branch?
Yes. The IFSC IOBA0003469 is shared by every account held at Indian Overseas Bank's Indi branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0003469 belongs to Indian Overseas Bank's INDI branch, located at BESIDE VKG INTERNATIONAL HOTEL, NEAR BUS STAND, INDI-586209, BIJAPUR DIST,… in INDI, 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.
