IFSC Code of Indian Overseas Bank, Karaikkudi College Road Branch, Tamil Nadu

Below are the complete branch details for Indian Overseas Bank, KARAIKKUDI COLLEGE ROAD branch, located in KARAIKUDI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001344. 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 IOBA0001344 for Indian Overseas Bank – KARAIKKUDI COLLEGE ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IOBA0001344 is the IFSC of Indian Overseas Bank's KARAIKKUDI COLLEGE ROAD branch. The format is fixed: IOBA = bank code, 0 = reserved, 001344 = branch identifier.

Branch details at a glance

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Karaikkudi College Road branch in Karaikudi, Tamil Nadu is part of this network and uses the IFSC code IOBA0001344 for all electronic settlement.

About the Karaikkudi College Road branch

The Karaikkudi College Road branch of Indian Overseas Bank is situated at 26 BY 7, COLLEGE ROAD, GROUND FLOOR, SUBRAMANYAPURAM, KARAIKUDI PIN 630002. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0001344 is used.

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 KARAIKKUDI COLLEGE ROAD of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001344 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 IOBA0001344 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IOBA0001344

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 IOBA0001344 across all three.

How to use IFSC IOBA0001344 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KARAIKKUDI COLLEGE ROAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0001344.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KARAIKKUDI COLLEGE ROAD.
5. 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 KARAIKKUDI COLLEGE ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KARAIKKUDI COLLEGE ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001344 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank KARAIKKUDI COLLEGE ROAD (IFSC IOBA0001344)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001344 in your mobile or internet banking app, and the money is credited to the KARAIKKUDI COLLEGE ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karaikkudi College Road

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 IOBA0001344:

• 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 KARAIKKUDI COLLEGE ROAD is still linked to IFSC IOBA0001344.

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 KARAIKKUDI COLLEGE ROAD branch, the IFSC IOBA0001344 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.

Products and account variants supported

Every account opened at the Karaikkudi College Road branch is mapped to IFSC IOBA0001344 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 IOBA0001344.

Products and services

Customers walking into the Karaikkudi College Road 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 IOBA0001344

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 IOBA0001344 and the account number together uniquely identify the Karaikkudi College Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IOBA0001344

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KARAIKKUDI COLLEGE ROAD 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 IOBA0001344 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Overseas Bank – KARAIKKUDI COLLEGE ROAD:

• The IFSC is exactly IOBA0001344 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Indian Overseas Bank as the bank name and KARAIKKUDI COLLEGE ROAD as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Karaikkudi College Road branch

The branch is located at 26 BY 7, COLLEGE ROAD, GROUND FLOOR, SUBRAMANYAPURAM, KARAIKUDI PIN 630002, which puts it inside Karaikudi, the broader Sivaganga district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Karaikkudi College Road branch” — the verified location pin for IFSC IOBA0001344 should appear at the top of the results.
2. Confirm the branch is open by calling 226805 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 IOBA0001344 and your account number.

Verifying IFSC IOBA0001344 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 IOBA0001344 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 226805.
• 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 Karaikkudi College Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001344, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0001344 is the IFSC code of Indian Overseas Bank, KARAIKKUDI COLLEGE ROAD branch, in KARAIKUDI, 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.