This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, KENDRAPARA branch in KENDRAPARA. The 11-digit IFSC IOBA0002290 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 KENDRAPARA 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, IOBA0002290 is the IFSC of Indian Overseas Bank's KENDRAPARA branch. The format is fixed: IOBA = bank code, 0 = reserved, 002290 = 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 Kendrapara branch in Kendrapara, Odisha is part of this network and uses the IFSC code IOBA0002290 for all electronic settlement.
Kendrapara branch overview
Located at NEAR NEW BUS STAND,KENDRAPARA TOWN,KENDRAPARA DISTRICT,ORISSA 754211, the Kendrapara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0002290 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kendrapara |
| IFSC Code | IOBA0002290 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR NEW BUS STAND,KENDRAPARA TOWN,KENDRAPARA DISTRICT,ORISSA 754211 |
| City | Kendrapara |
| District | Kendrapara |
| State | Odisha |
| Phone | 221410 |
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 KENDRAPARA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002290 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 IOBA0002290 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Kendrapara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002290 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0002290
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 IOBA0002290 across all three.
NEFT to Indian Overseas Bank, KENDRAPARA using IFSC IOBA0002290
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 IOBA0002290, and confirm that the system picks up Indian Overseas Bank – KENDRAPARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KENDRAPARA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KENDRAPARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002290 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank KENDRAPARA (IFSC IOBA0002290)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002290 in your mobile or internet banking app, and the money is credited to the KENDRAPARA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002290 for Indian Overseas Bank – KENDRAPARA, 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 – IOBA0002290 | Yes – IOBA0002290 | Yes – IOBA0002290 |
For most retail customers crediting the Kendrapara 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 KENDRAPARA branch, the IFSC IOBA0002290 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 Kendrapara branch is mapped to IFSC IOBA0002290 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 IOBA0002290.
Products and services
Customers walking into the Kendrapara 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 IOBA0002290
Online banking and IFSC IOBA0002290
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KENDRAPARA 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 IOBA0002290 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.
Reaching the branch
The Kendrapara branch sits at NEAR NEW BUS STAND,KENDRAPARA TOWN,KENDRAPARA DISTRICT,ORISSA 754211. If you are travelling from outside Kendrapara, search for the branch on a maps application using the bank name and locality, or call 221410 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 IOBA0002290 and your account number.
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 – KENDRAPARA:
- The IFSC is exactly IOBA0002290 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 KENDRAPARA 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.
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 Kendrapara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002290, however, work 24x7.
Verifying IFSC IOBA0002290 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 IOBA0002290 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 221410.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankKendrapara Branch
NEAR NEW BUS STAND,KENDRAPARA TOWN,KENDRAPARA DISTRICT,ORISSA 754211
Kendrapara, Odisha
Phone: 221410
IFSC: IOBA0002290
Frequently asked questions
How do I add Indian Overseas Bank Kendrapara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002290, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0002290 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kendrapara reflect within 30 minutes.
Can I use IFSC IOBA0002290 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002290 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Kendrapara branch?
The IFSC code of Indian Overseas Bank, Kendrapara branch is IOBA0002290. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Kendrapara branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 221410 to confirm.
Is IFSC IOBA0002290 the same for all accounts at Kendrapara branch?
Yes. The IFSC IOBA0002290 is shared by every account held at Indian Overseas Bank's Kendrapara branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0002290 belongs to Indian Overseas Bank's KENDRAPARA branch, located at NEAR NEW BUS STAND,KENDRAPARA TOWN,KENDRAPARA DISTRICT,ORISSA 754211 in KENDRAPARA, ODISHA. 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.
