Below are the complete branch details for Indian Overseas Bank, KOMARAPALAYAM branch, located in KOMARAPALAYAM, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001350. 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 IOBA0001350 for Indian Overseas Bank – KOMARAPALAYAM — 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, IOBA0001350 is the IFSC of Indian Overseas Bank's KOMARAPALAYAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 001350 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Komarapalayam branch — IFSC IOBA0001350 — extends the bank's services to customers in and around Komarapalayam, Tamil Nadu.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Komarapalayam |
| IFSC Code | IOBA0001350 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 45 A NEW 51 SALEM MAIN ROAD KOMARAPALAYAM PIN 638183 |
| City | Komarapalayam |
| District | Namakkal |
| State | Tamil Nadu |
| Phone | 260435 |
About this branch
The branch is located at 45 A NEW 51 SALEM MAIN ROAD KOMARAPALAYAM PIN 638183. It serves the Komarapalayam 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 IOBA0001350 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 KOMARAPALAYAM branch came to be assigned the code IOBA0001350.
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 IOBA0001350, money simply cannot be routed to the KOMARAPALAYAM branch electronically.
Account types you can open at the Komarapalayam branch
Once you have an account at Indian Overseas Bank – KOMARAPALAYAM, the IFSC IOBA0001350 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Komarapalayam 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 IOBA0001350
How to transfer money using IFSC IOBA0001350
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 IOBA0001350 across all three.
NEFT to Indian Overseas Bank, KOMARAPALAYAM using IFSC IOBA0001350
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 IOBA0001350, and confirm that the system picks up Indian Overseas Bank – KOMARAPALAYAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOMARAPALAYAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KOMARAPALAYAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001350 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 – KOMARAPALAYAM, use IMPS. With IFSC IOBA0001350 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Komarapalayam
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 IOBA0001350:
- 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 KOMARAPALAYAM is still linked to IFSC IOBA0001350.
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 KOMARAPALAYAM branch, the IFSC IOBA0001350 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.
Digital banking channels
Most day-to-day work that customers used to do at the Komarapalayam branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0001350 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR & cheque-truncation details
Cheques drawn on the Komarapalayam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001350 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – KOMARAPALAYAM:
- The IFSC is exactly IOBA0001350 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 KOMARAPALAYAM 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.
Reaching the branch
The Komarapalayam branch sits at 45 A NEW 51 SALEM MAIN ROAD KOMARAPALAYAM PIN 638183. If you are travelling from outside Komarapalayam, search for the branch on a maps application using the bank name and locality, or call 260435 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 IOBA0001350 and your account number.
Verifying IFSC IOBA0001350 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 IOBA0001350 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 260435.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Komarapalayam 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 IOBA0001350 continue to work without interruption.
Branch address & contact
Indian Overseas BankKomarapalayam Branch
45 A NEW 51 SALEM MAIN ROAD KOMARAPALAYAM PIN 638183
Komarapalayam, Tamil Nadu
Phone: 260435
IFSC: IOBA0001350
Frequently asked questions
Does Indian Overseas Bank Komarapalayam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 260435 to confirm.
Is IFSC IOBA0001350 the same for all accounts at Komarapalayam branch?
Yes. The IFSC IOBA0001350 is shared by every account held at Indian Overseas Bank's Komarapalayam branch. Only the account number changes from customer to customer.
Is IFSC IOBA0001350 valid for NEFT and RTGS?
Yes. IFSC IOBA0001350 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Komarapalayam branch located?
Indian Overseas Bank's Komarapalayam branch is located at 45 A NEW 51 SALEM MAIN ROAD KOMARAPALAYAM PIN 638183, Komarapalayam, Tamil Nadu.
Can I use IFSC IOBA0001350 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001350 to send funds instantly.
How quickly will an NEFT transfer using IOBA0001350 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Komarapalayam reflect within 30 minutes.
How do I add Indian Overseas Bank Komarapalayam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001350, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Komarapalayam branch?
You can reach the branch at 260435 during regular banking hours.
Summary
The IFSC code IOBA0001350 belongs to Indian Overseas Bank's KOMARAPALAYAM branch, located at 45 A NEW 51 SALEM MAIN ROAD KOMARAPALAYAM PIN 638183 in KOMARAPALAYAM, TAMIL NADU. 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.
