This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, KALLARA branch in KALLARA. The 11-digit IFSC IOBA0000363 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the KALLARA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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, IOBA0000363 is the IFSC of Indian Overseas Bank's KALLARA branch. The format is fixed: IOBA = bank code, 0 = reserved, 000363 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Kallara branch in Kallara. 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, IOBA0000363.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kallara |
| IFSC Code | IOBA0000363 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAG BUILDING, KALLARA PIN 695608 |
| City | Kallara |
| District | Kottayam |
| State | Kerala |
| Phone | 2860221 |
About this branch
The branch is located at MAG BUILDING, KALLARA PIN 695608. It serves the Kallara 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 IOBA0000363 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 KALLARA branch came to be assigned the code IOBA0000363.
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 IOBA0000363, money simply cannot be routed to the KALLARA branch electronically.
Products and account variants supported
Every account opened at the Kallara branch is mapped to IFSC IOBA0000363 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 IOBA0000363.
Products and services
Customers walking into the Kallara 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 IOBA0000363
How to transfer money using IFSC IOBA0000363
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 IOBA0000363 across all three.
How to use IFSC IOBA0000363 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KALLARA 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 IOBA0000363.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KALLARA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000363
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 – KALLARA, ensure your bank's portal accepts IFSC IOBA0000363 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – KALLARA, use IMPS. With IFSC IOBA0000363 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000363 for Indian Overseas Bank – KALLARA, 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 – IOBA0000363 | Yes – IOBA0000363 | Yes – IOBA0000363 |
For most retail customers crediting the Kallara 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 IOBA0000363
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 – KALLARA is still mapped to IFSC IOBA0000363. 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 IOBA0000363 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Kallara branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0000363 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR & cheque-truncation details
Cheques drawn on the Kallara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000363 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0000363
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 – KALLARA, 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:
IOBA0000363. - 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 Kallara branch
The branch is located at MAG BUILDING, KALLARA PIN 695608, which puts it inside Kallara, the broader Kottayam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kallara branch” — the verified location pin for IFSC IOBA0000363 should appear at the top of the results.
- Confirm the branch is open by calling 2860221 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 IOBA0000363 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000363 for Indian Overseas Bank – KALLARA, 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 Kallara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000363, however, work 24x7.
Branch address & contact
Indian Overseas BankKallara Branch
MAG BUILDING, KALLARA PIN 695608
Kallara, Kerala
Phone: 2860221
IFSC: IOBA0000363
Frequently asked questions
What is the phone number of Indian Overseas Bank Kallara branch?
You can reach the branch at 2860221 during regular banking hours.
Where is Indian Overseas Bank Kallara branch located?
Indian Overseas Bank's Kallara branch is located at MAG BUILDING, KALLARA PIN 695608, Kallara, Kerala.
Is IFSC IOBA0000363 valid for NEFT and RTGS?
Yes. IFSC IOBA0000363 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IOBA0000363 the same for all accounts at Kallara branch?
Yes. The IFSC IOBA0000363 is shared by every account held at Indian Overseas Bank's Kallara branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0000363 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kallara reflect within 30 minutes.
Does Indian Overseas Bank Kallara branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2860221 to confirm.
Final notes
To recap: IOBA0000363 is the IFSC code of Indian Overseas Bank, KALLARA branch, in KALLARA, KERALA. 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.
