Below are the complete branch details for Indian Overseas Bank, KANKER branch, located in KANKER, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0004017. 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 IOBA0004017 for Indian Overseas Bank – KANKER — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KANKER branch, the IFSC IOBA0004017 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 004017 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kanker branch in Kanker, Chhattisgarh is part of this network and uses the IFSC code IOBA0004017 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kanker |
| IFSC Code | IOBA0004017 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHEET NO 12 C, PLOT NO. 30/1, SURYA PLAZA, SEN CHOWK, KANKER, CHHATTISGARH - 494334 |
| City | Kanker |
| District | Kanker |
| State | Chhattisgarh |
| STD Code | 0 |
| Phone | 0 |
Kanker branch overview
Located at SHEET NO 12 C, PLOT NO. 30/1, SURYA PLAZA, SEN CHOWK, KANKER, CHHATTISGARH - 494334, the Kanker branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0004017 is required for all interbank electronic transfers routed through this branch.
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 KANKER of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0004017 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 IOBA0004017 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Kanker branch is mapped to IFSC IOBA0004017 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 IOBA0004017.
Products and services
Customers walking into the Kanker 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 IOBA0004017
How to transfer money using IFSC IOBA0004017
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 IOBA0004017 across all three.
How to use IFSC IOBA0004017 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KANKER 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 IOBA0004017.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KANKER.
- 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 KANKER
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KANKER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0004017 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank KANKER (IFSC IOBA0004017)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0004017 in your mobile or internet banking app, and the money is credited to the KANKER branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0004017 for Indian Overseas Bank – KANKER, 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 – IOBA0004017 | Yes – IOBA0004017 | Yes – IOBA0004017 |
For most retail customers crediting the Kanker 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 IOBA0004017
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 – KANKER is still mapped to IFSC IOBA0004017. 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 IOBA0004017 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0004017
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KANKER 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 IOBA0004017 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 & cheque-truncation details
Cheques drawn on the Kanker branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0004017 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 IOBA0004017
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 – KANKER, 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:
IOBA0004017. - 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 Kanker branch sits at SHEET NO 12 C, PLOT NO. 30/1, SURYA PLAZA, SEN CHOWK, KANKER, CHHATTISGARH - 494334. If you are travelling from outside Kanker, search for the branch on a maps application using the bank name and locality, or call 0 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 IOBA0004017 and your account number.
Verifying IFSC IOBA0004017 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 IOBA0004017 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- 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 Kanker branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0004017, however, work 24x7.
Branch address & contact
Indian Overseas BankKanker Branch
SHEET NO 12 C, PLOT NO. 30/1, SURYA PLAZA, SEN CHOWK, KANKER, CHHATTISGARH - 494334
Kanker, Chhattisgarh
Phone: 0
IFSC: IOBA0004017
Frequently asked questions
Is IFSC IOBA0004017 the same for all accounts at Kanker branch?
Yes. The IFSC IOBA0004017 is shared by every account held at Indian Overseas Bank's Kanker branch. Only the account number changes from customer to customer.
Is IFSC IOBA0004017 valid for NEFT and RTGS?
Yes. IFSC IOBA0004017 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Kanker branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
Where is Indian Overseas Bank Kanker branch located?
Indian Overseas Bank's Kanker branch is located at SHEET NO 12 C, PLOT NO. 30/1, SURYA PLAZA, SEN CHOWK, KANKER, CHHATTISGARH - 494334, Kanker, Chhattisgarh.
How quickly will an NEFT transfer using IOBA0004017 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kanker reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Kanker branch?
You can reach the branch at 0 during regular banking hours.
Final notes
To recap: IOBA0004017 is the IFSC code of Indian Overseas Bank, KANKER branch, in KANKER, CHHATTISGARH. 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.
