Use this page as a one-stop reference for everything related to Indian Overseas Bank's KACHIRAPALAYAM branch in KALLAKURICHI, TAMIL NADU. The branch's IFSC code IOBA0002791 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, IOBA0002791 is the IFSC of Indian Overseas Bank's KACHIRAPALAYAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 002791 = branch identifier.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kachirapalayam branch in Kallakurichi, Tamil Nadu is part of this network and uses the IFSC code IOBA0002791 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kachirapalayam |
| IFSC Code | IOBA0002791 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 5BY184,KAMARAJ SALAI,KACHIRAPALAYAM,KALLAKURICHI TALUK,VILLUPURAM DIST 606207 |
| City | Kallakurichi |
| District | Villupuram |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
About this branch
The branch is located at 5BY184,KAMARAJ SALAI,KACHIRAPALAYAM,KALLAKURICHI TALUK,VILLUPURAM DIST 606207. It serves the Kallakurichi 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 IOBA0002791 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 KACHIRAPALAYAM branch came to be assigned the code IOBA0002791.
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 IOBA0002791, money simply cannot be routed to the KACHIRAPALAYAM branch electronically.
Account types you can open at the Kachirapalayam branch
Once you have an account at Indian Overseas Bank – KACHIRAPALAYAM, the IFSC IOBA0002791 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Kachirapalayam 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 IOBA0002791
How to transfer money using IFSC IOBA0002791
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 IOBA0002791 across all three.
How to use IFSC IOBA0002791 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KACHIRAPALAYAM 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 IOBA0002791.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KACHIRAPALAYAM.
- 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 KACHIRAPALAYAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KACHIRAPALAYAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002791 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank KACHIRAPALAYAM (IFSC IOBA0002791)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002791 in your mobile or internet banking app, and the money is credited to the KACHIRAPALAYAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002791 for Indian Overseas Bank – KACHIRAPALAYAM, 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 – IOBA0002791 | Yes – IOBA0002791 | Yes – IOBA0002791 |
For most retail customers crediting the Kachirapalayam 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 KACHIRAPALAYAM branch, the IFSC IOBA0002791 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 IOBA0002791
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KACHIRAPALAYAM 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 IOBA0002791 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 IOBA0002791 and the account number together uniquely identify the Kachirapalayam 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 IOBA0002791
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 – KACHIRAPALAYAM, 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:
IOBA0002791. - 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.
Reaching the branch
The Kachirapalayam branch sits at 5BY184,KAMARAJ SALAI,KACHIRAPALAYAM,KALLAKURICHI TALUK,VILLUPURAM DIST 606207. If you are travelling from outside Kallakurichi, 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 IOBA0002791 and your account number.
Verifying IFSC IOBA0002791 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 IOBA0002791 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
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 Kachirapalayam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002791, however, work 24x7.
Branch address & contact
Indian Overseas BankKachirapalayam Branch
5BY184,KAMARAJ SALAI,KACHIRAPALAYAM,KALLAKURICHI TALUK,VILLUPURAM DIST 606207
Kallakurichi, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0002791
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Kachirapalayam branch?
The IFSC code of Indian Overseas Bank, Kachirapalayam branch is IOBA0002791. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Kachirapalayam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
How do I add Indian Overseas Bank Kachirapalayam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002791, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0002791 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kachirapalayam reflect within 30 minutes.
Where is Indian Overseas Bank Kachirapalayam branch located?
Indian Overseas Bank's Kachirapalayam branch is located at 5BY184,KAMARAJ SALAI,KACHIRAPALAYAM,KALLAKURICHI TALUK,VILLUPURAM DIST 606207, Kallakurichi, Tamil Nadu.
What is the phone number of Indian Overseas Bank Kachirapalayam branch?
You can reach the branch at 44-28584896 during regular banking hours.
Final notes
To recap: IOBA0002791 is the IFSC code of Indian Overseas Bank, KACHIRAPALAYAM branch, in KALLAKURICHI, 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.
