If you are searching for the IFSC code of Indian Overseas Bank, KOTTARAM branch in KOTTARAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0000253. 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 KOTTARAM branch, and detailed step-by-step guides for using the IFSC IOBA0000253 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.
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, IOBA0000253 is the IFSC of Indian Overseas Bank's KOTTARAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 000253 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kottaram |
| IFSC Code | IOBA0000253 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 357 BY 8,9, MISSION COMPOUND, KANYAKUMARI MAIN ROAD, KOTTARAM PIN 629703 |
| City | Kottaram |
| District | Kanyakumari |
| State | Tamil Nadu |
| Phone | 270264 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kottaram branch in Kottaram, Tamil Nadu is part of this network and uses the IFSC code IOBA0000253 for all electronic settlement.
About the Kottaram branch
The Kottaram branch of Indian Overseas Bank is situated at 357 BY 8,9, MISSION COMPOUND, KANYAKUMARI MAIN ROAD, KOTTARAM PIN 629703. 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 IOBA0000253 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 KOTTARAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000253 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 IOBA0000253 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 IOBA0000253
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 IOBA0000253 across all three.
NEFT to Indian Overseas Bank, KOTTARAM using IFSC IOBA0000253
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 IOBA0000253, and confirm that the system picks up Indian Overseas Bank – KOTTARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOTTARAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KOTTARAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000253 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 – KOTTARAM, use IMPS. With IFSC IOBA0000253 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 Kottaram
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 IOBA0000253:
- 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 KOTTARAM is still linked to IFSC IOBA0000253.
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 KOTTARAM branch, the IFSC IOBA0000253 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.
Account types you can open at the Kottaram branch
Once you have an account at Indian Overseas Bank – KOTTARAM, the IFSC IOBA0000253 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 Kottaram 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 IOBA0000253
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 IOBA0000253 and the account number together uniquely identify the Kottaram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0000253
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KOTTARAM 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 IOBA0000253 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 IOBA0000253
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 – KOTTARAM, 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:
IOBA0000253. - 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 Kottaram branch
The branch is located at 357 BY 8,9, MISSION COMPOUND, KANYAKUMARI MAIN ROAD, KOTTARAM PIN 629703, which puts it inside Kottaram, the broader Kanyakumari district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kottaram branch” — the verified location pin for IFSC IOBA0000253 should appear at the top of the results.
- Confirm the branch is open by calling 270264 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 IOBA0000253 and your account number.
Verifying IFSC IOBA0000253 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 IOBA0000253 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 270264.
- 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 Kottaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000253, however, work 24x7.
Branch address & contact
Indian Overseas BankKottaram Branch
357 BY 8,9, MISSION COMPOUND, KANYAKUMARI MAIN ROAD, KOTTARAM PIN 629703
Kottaram, Tamil Nadu
Phone: 270264
IFSC: IOBA0000253
Frequently asked questions
Is IFSC IOBA0000253 the same for all accounts at Kottaram branch?
Yes. The IFSC IOBA0000253 is shared by every account held at Indian Overseas Bank's Kottaram branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kottaram branch but serve different purposes.
Is IFSC IOBA0000253 valid for NEFT and RTGS?
Yes. IFSC IOBA0000253 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Kottaram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000253, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0000253 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kottaram reflect within 30 minutes.
Where is Indian Overseas Bank Kottaram branch located?
Indian Overseas Bank's Kottaram branch is located at 357 BY 8,9, MISSION COMPOUND, KANYAKUMARI MAIN ROAD, KOTTARAM PIN 629703, Kottaram, Tamil Nadu.
Can I use IFSC IOBA0000253 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000253 to send funds instantly.
What is the phone number of Indian Overseas Bank Kottaram branch?
You can reach the branch at 270264 during regular banking hours.
Summary
The IFSC code IOBA0000253 belongs to Indian Overseas Bank's KOTTARAM branch, located at 357 BY 8,9, MISSION COMPOUND, KANYAKUMARI MAIN ROAD, KOTTARAM PIN 629703 in KOTTARAM, 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.
