If you are searching for the IFSC code of Indian Overseas Bank, RO KOZHIKODE branch in KOZHIKODE, KERALA, this page has every detail you need. The verified IFSC code for this branch is IOBA0003932. 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 RO KOZHIKODE branch, and detailed step-by-step guides for using the IFSC IOBA0003932 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, IOBA0003932 is the IFSC of Indian Overseas Bank's RO KOZHIKODE branch. The format is fixed: IOBA = bank code, 0 = reserved, 003932 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the RO Kozhikode branch in Kozhikode. 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, IOBA0003932.
About the RO Kozhikode branch
The RO Kozhikode branch of Indian Overseas Bank is situated at FIRST AND SECOND FLOOR SL TOWERS NADAKKAVE KOZHIKODE. 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 IOBA0003932 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | RO Kozhikode |
| IFSC Code | IOBA0003932 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST AND SECOND FLOOR SL TOWERS NADAKKAVE KOZHIKODE |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
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 RO KOZHIKODE branch came to be assigned the code IOBA0003932.
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 IOBA0003932, money simply cannot be routed to the RO KOZHIKODE branch electronically.
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 IOBA0003932 and the account number together uniquely identify the RO Kozhikode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003932
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 IOBA0003932 across all three.
NEFT to Indian Overseas Bank, RO KOZHIKODE using IFSC IOBA0003932
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 IOBA0003932, and confirm that the system picks up Indian Overseas Bank – RO KOZHIKODE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RO KOZHIKODE
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's RO KOZHIKODE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003932 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank RO KOZHIKODE (IFSC IOBA0003932)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003932 in your mobile or internet banking app, and the money is credited to the RO KOZHIKODE branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to RO Kozhikode
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 IOBA0003932:
- 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 RO KOZHIKODE is still linked to IFSC IOBA0003932.
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 RO KOZHIKODE branch, the IFSC IOBA0003932 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.
Products and account variants supported
Every account opened at the RO Kozhikode branch is mapped to IFSC IOBA0003932 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 IOBA0003932.
Banking services available
The RO Kozhikode branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 IOBA0003932
Online banking and IFSC IOBA0003932
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the RO KOZHIKODE 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 IOBA0003932 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 RO Kozhikode branch
The branch is located at FIRST AND SECOND FLOOR SL TOWERS NADAKKAVE KOZHIKODE, which puts it inside Kozhikode, the broader Kozhikode district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank RO Kozhikode branch” — the verified location pin for IFSC IOBA0003932 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 IOBA0003932 and your account number.
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 – RO KOZHIKODE:
- The IFSC is exactly IOBA0003932 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 RO KOZHIKODE 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.
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 RO Kozhikode branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003932, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003932 for Indian Overseas Bank – RO KOZHIKODE, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Indian Overseas BankRO Kozhikode Branch
FIRST AND SECOND FLOOR SL TOWERS NADAKKAVE KOZHIKODE
Kozhikode, Kerala
Phone: the branch contact number
IFSC: IOBA0003932
Frequently asked questions
What is the phone number of Indian Overseas Bank RO Kozhikode branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC IOBA0003932 the same for all accounts at RO Kozhikode branch?
Yes. The IFSC IOBA0003932 is shared by every account held at Indian Overseas Bank's RO Kozhikode branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank RO Kozhikode branch located?
Indian Overseas Bank's RO Kozhikode branch is located at FIRST AND SECOND FLOOR SL TOWERS NADAKKAVE KOZHIKODE, Kozhikode, Kerala.
How do I add Indian Overseas Bank RO Kozhikode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003932, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0003932 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – RO Kozhikode reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank RO Kozhikode branch?
The IFSC code of Indian Overseas Bank, RO Kozhikode branch is IOBA0003932. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0003932 valid for NEFT and RTGS?
Yes. IFSC IOBA0003932 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IOBA0003932 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003932 to send funds instantly.
Summary
The IFSC code IOBA0003932 belongs to Indian Overseas Bank's RO KOZHIKODE branch, located at FIRST AND SECOND FLOOR SL TOWERS NADAKKAVE KOZHIKODE in KOZHIKODE, 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.
