IFSC Code of Indian Overseas Bank, Jangareddygudem Branch, Andhra Pradesh

Below are the complete branch details for Indian Overseas Bank, JANGAREDDYGUDEM branch, located in JANGAREDDIGUDEM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003641. 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 IOBA0003641 for Indian Overseas Bank – JANGAREDDYGUDEM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – JANGAREDDYGUDEM is IOBA0003641. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003641 map to this branch in JANGAREDDIGUDEM, ANDHRA PRADESH.

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the Jangareddygudem branch in Jangareddigudem. 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, IOBA0003641.

Branch details at a glance

About this branch

The branch is located at 61 73,ELURU ROAD,OPP.APSRTC BUSSTAND,JANGAREDDYGUDEM,WEST GODAVARI DISTRICT,ANDHRA PRADESH. It serves the Jangareddigudem 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 IOBA0003641 is used to identify this branch on the RBI payments network.

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 JANGAREDDYGUDEM branch came to be assigned the code IOBA0003641.

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 IOBA0003641, money simply cannot be routed to the JANGAREDDYGUDEM branch electronically.

Products and account variants supported

Every account opened at the Jangareddygudem branch is mapped to IFSC IOBA0003641 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 IOBA0003641.

Products and services

Customers walking into the Jangareddygudem 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 IOBA0003641

How to transfer money using IFSC IOBA0003641

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 IOBA0003641 across all three.

NEFT to Indian Overseas Bank, JANGAREDDYGUDEM using IFSC IOBA0003641

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 IOBA0003641, and confirm that the system picks up Indian Overseas Bank – JANGAREDDYGUDEM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IOBA0003641

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 – JANGAREDDYGUDEM, ensure your bank's portal accepts IFSC IOBA0003641 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Overseas Bank – JANGAREDDYGUDEM, use IMPS. With IFSC IOBA0003641 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Jangareddygudem

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 IOBA0003641:

• 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 JANGAREDDYGUDEM is still linked to IFSC IOBA0003641.

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 JANGAREDDYGUDEM branch, the IFSC IOBA0003641 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.

Online banking and IFSC IOBA0003641

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the JANGAREDDYGUDEM 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 IOBA0003641 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.

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 IOBA0003641 and the account number together uniquely identify the Jangareddygudem branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IOBA0003641

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 – JANGAREDDYGUDEM, 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: IOBA0003641.
• 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 Jangareddygudem branch

The branch is located at 61 73,ELURU ROAD,OPP.APSRTC BUSSTAND,JANGAREDDYGUDEM,WEST GODAVARI DISTRICT,ANDHRA PRADESH, which puts it inside Jangareddigudem, the broader West Godavari district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Jangareddygudem branch” — the verified location pin for IFSC IOBA0003641 should appear at the top of the results.
2. Confirm the branch is open by calling 866-2484913 before stepping out, especially around public holidays.
3. 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 IOBA0003641 and your account number.

Verifying IFSC IOBA0003641 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 IOBA0003641 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.

Working hours

Branch counters at Jangareddygudem 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 IOBA0003641 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0003641 belongs to Indian Overseas Bank's JANGAREDDYGUDEM branch, located at 61 73,ELURU ROAD,OPP.APSRTC BUSSTAND,JANGAREDDYGUDEM,WEST GODAVARI… in JANGAREDDIGUDEM, ANDHRA PRADESH. 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.