Below are the complete branch details for Indian Overseas Bank, NAIDUPET KHAMMAM branch, located in KHAMMAM, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001704. 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 IOBA0001704 for Indian Overseas Bank – NAIDUPET KHAMMAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – NAIDUPET KHAMMAM is IOBA0001704. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001704 map to this branch in KHAMMAM, ANDHRA PRADESH.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Naidupet Khammam branch in Khammam. 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, IOBA0001704.
About this branch
The branch is located at BISHOP HOUSE, NAIDUPET, KHAMMAM PIN 507003. It serves the Khammam 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 IOBA0001704 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Naidupet Khammam |
| IFSC Code | IOBA0001704 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BISHOP HOUSE, NAIDUPET, KHAMMAM PIN 507003 |
| City | Khammam |
| District | Khammam |
| State | Andhra Pradesh |
| Phone | 2551744 |
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 NAIDUPET KHAMMAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001704 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 IOBA0001704 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IOBA0001704 and the account number together uniquely identify the Naidupet Khammam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0001704
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 IOBA0001704 across all three.
How to use IFSC IOBA0001704 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's NAIDUPET KHAMMAM 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 IOBA0001704.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as NAIDUPET KHAMMAM.
- 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 NAIDUPET KHAMMAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's NAIDUPET KHAMMAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001704 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank NAIDUPET KHAMMAM (IFSC IOBA0001704)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001704 in your mobile or internet banking app, and the money is credited to the NAIDUPET KHAMMAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Naidupet Khammam
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 IOBA0001704:
- 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 NAIDUPET KHAMMAM is still linked to IFSC IOBA0001704.
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.
UPI payments and IFSC IOBA0001704
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 – NAIDUPET KHAMMAM is still mapped to IFSC IOBA0001704. 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 IOBA0001704 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Naidupet Khammam branch is mapped to IFSC IOBA0001704 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 IOBA0001704.
Banking services available
The Naidupet Khammam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2551744.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0001704
Online banking and IFSC IOBA0001704
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the NAIDUPET KHAMMAM 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 IOBA0001704 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.
How to reach the Naidupet Khammam branch
The branch is located at BISHOP HOUSE, NAIDUPET, KHAMMAM PIN 507003, which puts it inside Khammam, the broader Khammam district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Naidupet Khammam branch” — the verified location pin for IFSC IOBA0001704 should appear at the top of the results.
- Confirm the branch is open by calling 2551744 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 IOBA0001704 and your account number.
Common mistakes to avoid when using IFSC IOBA0001704
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 – NAIDUPET KHAMMAM, 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:
IOBA0001704. - 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.
Working hours
Branch counters at Naidupet Khammam are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IOBA0001704 continue to work without interruption.
Verifying IFSC IOBA0001704 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 IOBA0001704 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2551744.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankNaidupet Khammam Branch
BISHOP HOUSE, NAIDUPET, KHAMMAM PIN 507003
Khammam, Andhra Pradesh
Phone: 2551744
IFSC: IOBA0001704
Frequently asked questions
Is IFSC IOBA0001704 valid for NEFT and RTGS?
Yes. IFSC IOBA0001704 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Overseas Bank Naidupet Khammam branch?
The IFSC code of Indian Overseas Bank, Naidupet Khammam branch is IOBA0001704. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Overseas Bank Naidupet Khammam branch located?
Indian Overseas Bank's Naidupet Khammam branch is located at BISHOP HOUSE, NAIDUPET, KHAMMAM PIN 507003, Khammam, Andhra Pradesh.
How do I add Indian Overseas Bank Naidupet Khammam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001704, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0001704 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Naidupet Khammam reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Naidupet Khammam branch?
You can reach the branch at 2551744 during regular banking hours.
Does Indian Overseas Bank Naidupet Khammam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2551744 to confirm.
Is IFSC IOBA0001704 the same for all accounts at Naidupet Khammam branch?
Yes. The IFSC IOBA0001704 is shared by every account held at Indian Overseas Bank's Naidupet Khammam branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0001704 belongs to Indian Overseas Bank's NAIDUPET KHAMMAM branch, located at BISHOP HOUSE, NAIDUPET, KHAMMAM PIN 507003 in KHAMMAM, ANDHRA PRADESH. 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.
