Use this page as a one-stop reference for everything related to Indian Overseas Bank's IRUNGATTUKOTTAI branch in IRUNGATTUKOTTAI, TAMIL NADU. The branch's IFSC code IOBA0001452 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, IOBA0001452 is the IFSC of Indian Overseas Bank's IRUNGATTUKOTTAI branch. The format is fixed: IOBA = bank code, 0 = reserved, 001452 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Irungattukottai |
| IFSC Code | IOBA0001452 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SIPCOT PROJECT OFFICE, SIPCOT INDUSTRIAL PARK, IRUNGATTUKOTTAI, SRIPERUMBUDUR |
| City | Irungattukottai |
| District | Kancheepuram |
| State | Tamil Nadu |
| Phone | 27156086 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Irungattukottai branch in Irungattukottai, Tamil Nadu is part of this network and uses the IFSC code IOBA0001452 for all electronic settlement.
About the Irungattukottai branch
The Irungattukottai branch of Indian Overseas Bank is situated at SIPCOT PROJECT OFFICE, SIPCOT INDUSTRIAL PARK, IRUNGATTUKOTTAI, SRIPERUMBUDUR. 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 IOBA0001452 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 IRUNGATTUKOTTAI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001452 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 IOBA0001452 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 IOBA0001452
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 IOBA0001452 across all three.
NEFT to Indian Overseas Bank, IRUNGATTUKOTTAI using IFSC IOBA0001452
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IOBA0001452, and confirm that the system picks up Indian Overseas Bank – IRUNGATTUKOTTAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0001452
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – IRUNGATTUKOTTAI, ensure your bank's portal accepts IFSC IOBA0001452 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank IRUNGATTUKOTTAI (IFSC IOBA0001452)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001452 in your mobile or internet banking app, and the money is credited to the IRUNGATTUKOTTAI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Irungattukottai
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0001452:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at IRUNGATTUKOTTAI is still linked to IFSC IOBA0001452.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 IRUNGATTUKOTTAI branch, the IFSC IOBA0001452 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 Irungattukottai branch is mapped to IFSC IOBA0001452 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 IOBA0001452.
Banking services available
The Irungattukottai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 27156086.
- 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 IOBA0001452
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 IOBA0001452 and the account number together uniquely identify the Irungattukottai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0001452
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the IRUNGATTUKOTTAI 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 IOBA0001452 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 – IRUNGATTUKOTTAI:
- The IFSC is exactly IOBA0001452 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 IRUNGATTUKOTTAI 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.
How to reach the Irungattukottai branch
The branch is located at SIPCOT PROJECT OFFICE, SIPCOT INDUSTRIAL PARK, IRUNGATTUKOTTAI, SRIPERUMBUDUR, which puts it inside Irungattukottai, the broader Kancheepuram district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Irungattukottai branch” — the verified location pin for IFSC IOBA0001452 should appear at the top of the results.
- Confirm the branch is open by calling 27156086 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 IOBA0001452 and your account number.
Verifying IFSC IOBA0001452 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 IOBA0001452 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 27156086.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Irungattukottai 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 IOBA0001452 continue to work without interruption.
Branch address & contact
Indian Overseas BankIrungattukottai Branch
SIPCOT PROJECT OFFICE, SIPCOT INDUSTRIAL PARK, IRUNGATTUKOTTAI, SRIPERUMBUDUR
Irungattukottai, Tamil Nadu
Phone: 27156086
IFSC: IOBA0001452
Frequently asked questions
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 Irungattukottai branch but serve different purposes.
Is IFSC IOBA0001452 the same for all accounts at Irungattukottai branch?
Yes. The IFSC IOBA0001452 is shared by every account held at Indian Overseas Bank's Irungattukottai branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Irungattukottai branch?
You can reach the branch at 27156086 during regular banking hours.
What is the IFSC code of Indian Overseas Bank Irungattukottai branch?
The IFSC code of Indian Overseas Bank, Irungattukottai branch is IOBA0001452. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0001452 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Irungattukottai reflect within 30 minutes.
Can I use IFSC IOBA0001452 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001452 to send funds instantly.
Is IFSC IOBA0001452 valid for NEFT and RTGS?
Yes. IFSC IOBA0001452 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Irungattukottai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001452, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IOBA0001452 is the IFSC code of Indian Overseas Bank, IRUNGATTUKOTTAI branch, in IRUNGATTUKOTTAI, 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.
