If you are searching for the IFSC code of Indian Overseas Bank, KODAD branch in KODAD, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0003687. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KODAD branch, and detailed step-by-step guides for using the IFSC IOBA0003687 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 KODAD branch, the IFSC IOBA0003687 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003687 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kodad |
| IFSC Code | IOBA0003687 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 106 FIRST FLOOR HUZUR NAGAR ROAD RAJEEV CHOWK KODAD 508206 |
| City | Kodad |
| District | Nalgonda |
| State | Andhra Pradesh |
| STD Code | 40 |
| Phone | 23468872 |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kodad branch — IFSC IOBA0003687 — extends the bank's services to customers in and around Kodad, Andhra Pradesh.
About this branch
The branch is located at 106 FIRST FLOOR HUZUR NAGAR ROAD RAJEEV CHOWK KODAD 508206. It serves the Kodad 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 IOBA0003687 is used to identify this branch on the RBI payments network.
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 KODAD branch came to be assigned the code IOBA0003687.
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 IOBA0003687, money simply cannot be routed to the KODAD branch electronically.
How to transfer money using IFSC IOBA0003687
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 IOBA0003687 across all three.
NEFT to Indian Overseas Bank, KODAD using IFSC IOBA0003687
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 IOBA0003687, and confirm that the system picks up Indian Overseas Bank – KODAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003687
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – KODAD, ensure your bank's portal accepts IFSC IOBA0003687 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank KODAD (IFSC IOBA0003687)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003687 in your mobile or internet banking app, and the money is credited to the KODAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003687 for Indian Overseas Bank – KODAD, 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 – IOBA0003687 | Yes – IOBA0003687 | Yes – IOBA0003687 |
For most retail customers crediting the Kodad 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 IOBA0003687
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 – KODAD is still mapped to IFSC IOBA0003687. 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 IOBA0003687 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kodad branch is mapped to IFSC IOBA0003687 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 IOBA0003687.
Products and services
Customers walking into the Kodad 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 IOBA0003687
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 IOBA0003687 and the account number together uniquely identify the Kodad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0003687
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KODAD 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 IOBA0003687 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.
Common mistakes to avoid when using IFSC IOBA0003687
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 – KODAD, 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:
IOBA0003687. - 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 Kodad branch
The branch is located at 106 FIRST FLOOR HUZUR NAGAR ROAD RAJEEV CHOWK KODAD 508206, which puts it inside Kodad, the broader Nalgonda district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kodad branch” — the verified location pin for IFSC IOBA0003687 should appear at the top of the results.
- Confirm the branch is open by calling 40-23468872 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 IOBA0003687 and your account number.
Verifying IFSC IOBA0003687 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 IOBA0003687 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 40-23468872.
- 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 Kodad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003687, however, work 24x7.
Branch address & contact
Indian Overseas BankKodad Branch
106 FIRST FLOOR HUZUR NAGAR ROAD RAJEEV CHOWK KODAD 508206
Kodad, Andhra Pradesh
Phone: 40-23468872
IFSC: IOBA0003687
Frequently asked questions
Can I use IFSC IOBA0003687 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003687 to send funds instantly.
Is IFSC IOBA0003687 the same for all accounts at Kodad branch?
Yes. The IFSC IOBA0003687 is shared by every account held at Indian Overseas Bank's Kodad branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Kodad branch?
You can reach the branch at 40-23468872 during regular banking hours.
Where is Indian Overseas Bank Kodad branch located?
Indian Overseas Bank's Kodad branch is located at 106 FIRST FLOOR HUZUR NAGAR ROAD RAJEEV CHOWK KODAD 508206, Kodad, Andhra Pradesh.
How quickly will an NEFT transfer using IOBA0003687 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kodad reflect within 30 minutes.
Is IFSC IOBA0003687 valid for NEFT and RTGS?
Yes. IFSC IOBA0003687 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IOBA0003687 belongs to Indian Overseas Bank's KODAD branch, located at 106 FIRST FLOOR HUZUR NAGAR ROAD RAJEEV CHOWK KODAD 508206 in KODAD, 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.
