This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, KOTTAYAMT B ROAD branch in KOTTAYAM. The 11-digit IFSC IOBA0002138 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 KOTTAYAMT B ROAD 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.
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 KOTTAYAMT B ROAD branch, the IFSC IOBA0002138 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002138 identifies this particular branch.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kottayamt B Road branch — IFSC IOBA0002138 — extends the bank's services to customers in and around Kottayam, Kerala.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kottayamt B Road |
| IFSC Code | IOBA0002138 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BUILDING NO 13 BY 536, FIRST FLOOR, MUTHOOT CROWN PLAZA, T B ROAD, KOTTAYAM PIN 686001 |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| Phone | 2301274 |
About this branch
The branch is located at BUILDING NO 13 BY 536, FIRST FLOOR, MUTHOOT CROWN PLAZA, T B ROAD, KOTTAYAM PIN 686001. It serves the Kottayam 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 IOBA0002138 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 KOTTAYAMT B ROAD branch came to be assigned the code IOBA0002138.
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 IOBA0002138, money simply cannot be routed to the KOTTAYAMT B ROAD branch electronically.
Account types you can open at the Kottayamt B Road branch
Once you have an account at Indian Overseas Bank – KOTTAYAMT B ROAD, the IFSC IOBA0002138 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.
Banking services available
The Kottayamt B Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2301274.
- 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 IOBA0002138
How to transfer money using IFSC IOBA0002138
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 IOBA0002138 across all three.
NEFT to Indian Overseas Bank, KOTTAYAMT B ROAD using IFSC IOBA0002138
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 IOBA0002138, and confirm that the system picks up Indian Overseas Bank – KOTTAYAMT B ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002138
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 – KOTTAYAMT B ROAD, ensure your bank's portal accepts IFSC IOBA0002138 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank KOTTAYAMT B ROAD (IFSC IOBA0002138)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002138 in your mobile or internet banking app, and the money is credited to the KOTTAYAMT B ROAD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kottayamt B Road
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 IOBA0002138:
- 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 KOTTAYAMT B ROAD is still linked to IFSC IOBA0002138.
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 KOTTAYAMT B ROAD branch, the IFSC IOBA0002138 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.
Online banking and IFSC IOBA0002138
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KOTTAYAMT B ROAD 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 IOBA0002138 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.
MICR & cheque-truncation details
Cheques drawn on the Kottayamt B Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002138 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 – KOTTAYAMT B ROAD:
- The IFSC is exactly IOBA0002138 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 KOTTAYAMT B ROAD 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.
How to reach the Kottayamt B Road branch
The branch is located at BUILDING NO 13 BY 536, FIRST FLOOR, MUTHOOT CROWN PLAZA, T B ROAD, KOTTAYAM PIN 686001, which puts it inside Kottayam, the broader Kottayam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kottayamt B Road branch” — the verified location pin for IFSC IOBA0002138 should appear at the top of the results.
- Confirm the branch is open by calling 2301274 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 IOBA0002138 and your account number.
Verifying IFSC IOBA0002138 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 IOBA0002138 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2301274.
- 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 Kottayamt B Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002138, however, work 24x7.
Branch address & contact
Indian Overseas BankKottayamt B Road Branch
BUILDING NO 13 BY 536, FIRST FLOOR, MUTHOOT CROWN PLAZA, T B ROAD, KOTTAYAM PIN 686001
Kottayam, Kerala
Phone: 2301274
IFSC: IOBA0002138
Frequently asked questions
Is IFSC IOBA0002138 valid for NEFT and RTGS?
Yes. IFSC IOBA0002138 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0002138 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kottayamt B Road reflect within 30 minutes.
Where is Indian Overseas Bank Kottayamt B Road branch located?
Indian Overseas Bank's Kottayamt B Road branch is located at BUILDING NO 13 BY 536, FIRST FLOOR, MUTHOOT CROWN PLAZA, T B ROAD, KOTTAYAM PIN 686001, Kottayam, Kerala.
How do I add Indian Overseas Bank Kottayamt B Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002138, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Kottayamt B Road branch but serve different purposes.
What is the IFSC code of Indian Overseas Bank Kottayamt B Road branch?
The IFSC code of Indian Overseas Bank, Kottayamt B Road branch is IOBA0002138. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Kottayamt B Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2301274 to confirm.
Can I use IFSC IOBA0002138 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002138 to send funds instantly.
Summary
The IFSC code IOBA0002138 belongs to Indian Overseas Bank's KOTTAYAMT B ROAD branch, located at BUILDING NO 13 BY 536, FIRST FLOOR, MUTHOOT CROWN PLAZA, T B ROAD, KOTTAYAM… in KOTTAYAM, KERALA. 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.
