Use this page as a one-stop reference for everything related to Indian Overseas Bank's TALAP branch in KANNUR, KERALA. The branch's IFSC code IOBA0001526 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.
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 – TALAP is IOBA0001526. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001526 map to this branch in KANNUR, KERALA.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Talap branch — IFSC IOBA0001526 — extends the bank's services to customers in and around Kannur, Kerala.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Talap |
| IFSC Code | IOBA0001526 |
| MICR Code | Refer to cheque leaf |
| Branch Address | S N VIDYA MANDIR HR SEC SCHOOL, 2 BY 1112, CW, TALAP, KANNUR670002 |
| City | Kannur |
| District | Cannanore |
| State | Kerala |
| STD Code | 497 |
| Phone | 2701012 |
Talap branch overview
Located at S N VIDYA MANDIR HR SEC SCHOOL, 2 BY 1112, CW, TALAP, KANNUR670002, the Talap branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001526 is required for all interbank electronic transfers routed through this branch.
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 TALAP branch came to be assigned the code IOBA0001526.
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 IOBA0001526, money simply cannot be routed to the TALAP branch electronically.
Products and account variants supported
Every account opened at the Talap branch is mapped to IFSC IOBA0001526 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 IOBA0001526.
Products and services
Customers walking into the Talap 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 IOBA0001526
How to transfer money using IFSC IOBA0001526
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 IOBA0001526 across all three.
NEFT to Indian Overseas Bank, TALAP using IFSC IOBA0001526
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 IOBA0001526, and confirm that the system picks up Indian Overseas Bank – TALAP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to TALAP
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's TALAP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001526 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – TALAP, use IMPS. With IFSC IOBA0001526 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 IOBA0001526 for Indian Overseas Bank – TALAP, 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 – IOBA0001526 | Yes – IOBA0001526 | Yes – IOBA0001526 |
For most retail customers crediting the Talap 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 TALAP branch, the IFSC IOBA0001526 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 IOBA0001526
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the TALAP 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 IOBA0001526 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 IOBA0001526 and the account number together uniquely identify the Talap 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 IOBA0001526
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 – TALAP, 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:
IOBA0001526. - 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 Talap branch
The branch is located at S N VIDYA MANDIR HR SEC SCHOOL, 2 BY 1112, CW, TALAP, KANNUR670002, which puts it inside Kannur, the broader Cannanore district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Talap branch” — the verified location pin for IFSC IOBA0001526 should appear at the top of the results.
- Confirm the branch is open by calling 497-2701012 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 IOBA0001526 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001526 for Indian Overseas Bank – TALAP, 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 Talap branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001526, however, work 24x7.
Branch address & contact
Indian Overseas BankTalap Branch
S N VIDYA MANDIR HR SEC SCHOOL, 2 BY 1112, CW, TALAP, KANNUR670002
Kannur, Kerala
Phone: 497-2701012
IFSC: IOBA0001526
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Talap branch?
The IFSC code of Indian Overseas Bank, Talap branch is IOBA0001526. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0001526 the same for all accounts at Talap branch?
Yes. The IFSC IOBA0001526 is shared by every account held at Indian Overseas Bank's Talap branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Talap branch located?
Indian Overseas Bank's Talap branch is located at S N VIDYA MANDIR HR SEC SCHOOL, 2 BY 1112, CW, TALAP, KANNUR670002, Kannur, Kerala.
Is IFSC IOBA0001526 valid for NEFT and RTGS?
Yes. IFSC IOBA0001526 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Overseas Bank Talap branch?
You can reach the branch at 497-2701012 during regular banking hours.
How quickly will an NEFT transfer using IOBA0001526 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Talap reflect within 30 minutes.
Can I use IFSC IOBA0001526 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001526 to send funds instantly.
Summary
The IFSC code IOBA0001526 belongs to Indian Overseas Bank's TALAP branch, located at S N VIDYA MANDIR HR SEC SCHOOL, 2 BY 1112, CW, TALAP, KANNUR670002 in KANNUR, KERALA. 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.
