This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, KRISHNAGIRI branch in KRISHNAGIRI. The 11-digit IFSC IOBA0001030 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 KRISHNAGIRI 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 KRISHNAGIRI branch, the IFSC IOBA0001030 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001030 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Krishnagiri |
| IFSC Code | IOBA0001030 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1 FLOOR,K R N BUILDINGS EAST PARELLEL ROAD,CO OP COLONY,KRISHNAGIRI PIN 635001 |
| City | Krishnagiri |
| District | Dharmapuri |
| State | Tamil Nadu |
| STD Code | 4343 |
| Phone | 236017 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Krishnagiri branch in Krishnagiri, Tamil Nadu is part of this network and uses the IFSC code IOBA0001030 for all electronic settlement.
About this branch
The branch is located at 1 FLOOR,K R N BUILDINGS EAST PARELLEL ROAD,CO OP COLONY,KRISHNAGIRI PIN 635001. It serves the Krishnagiri 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 IOBA0001030 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 KRISHNAGIRI branch came to be assigned the code IOBA0001030.
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 IOBA0001030, money simply cannot be routed to the KRISHNAGIRI branch electronically.
How to transfer money using IFSC IOBA0001030
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 IOBA0001030 across all three.
How to use IFSC IOBA0001030 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KRISHNAGIRI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0001030.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KRISHNAGIRI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0001030
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 – KRISHNAGIRI, ensure your bank's portal accepts IFSC IOBA0001030 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank KRISHNAGIRI (IFSC IOBA0001030)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001030 in your mobile or internet banking app, and the money is credited to the KRISHNAGIRI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0001030 for Indian Overseas Bank – KRISHNAGIRI, 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 – IOBA0001030 | Yes – IOBA0001030 | Yes – IOBA0001030 |
For most retail customers crediting the Krishnagiri 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 IOBA0001030
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 – KRISHNAGIRI is still mapped to IFSC IOBA0001030. 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 IOBA0001030 and the beneficiary's account number to complete the transfer.
Account types you can open at the Krishnagiri branch
Once you have an account at Indian Overseas Bank – KRISHNAGIRI, the IFSC IOBA0001030 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 Krishnagiri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4343-236017.
- 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 IOBA0001030
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 IOBA0001030 and the account number together uniquely identify the Krishnagiri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0001030
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KRISHNAGIRI 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 IOBA0001030 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.
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 – KRISHNAGIRI:
- The IFSC is exactly IOBA0001030 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 KRISHNAGIRI 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 Krishnagiri branch sits at 1 FLOOR,K R N BUILDINGS EAST PARELLEL ROAD,CO OP COLONY,KRISHNAGIRI PIN 635001. If you are travelling from outside Krishnagiri, search for the branch on a maps application using the bank name and locality, or call 4343-236017 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 IOBA0001030 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001030 for Indian Overseas Bank – KRISHNAGIRI, 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.
Working hours
Branch counters at Krishnagiri 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 IOBA0001030 continue to work without interruption.
Branch address & contact
Indian Overseas BankKrishnagiri Branch
1 FLOOR,K R N BUILDINGS EAST PARELLEL ROAD,CO OP COLONY,KRISHNAGIRI PIN 635001
Krishnagiri, Tamil Nadu
Phone: 4343-236017
IFSC: IOBA0001030
Frequently asked questions
Is IFSC IOBA0001030 valid for NEFT and RTGS?
Yes. IFSC IOBA0001030 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IOBA0001030 the same for all accounts at Krishnagiri branch?
Yes. The IFSC IOBA0001030 is shared by every account held at Indian Overseas Bank's Krishnagiri branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0001030 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001030 to send funds instantly.
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 Krishnagiri branch but serve different purposes.
Where is Indian Overseas Bank Krishnagiri branch located?
Indian Overseas Bank's Krishnagiri branch is located at 1 FLOOR,K R N BUILDINGS EAST PARELLEL ROAD,CO OP COLONY,KRISHNAGIRI PIN 635001, Krishnagiri, Tamil Nadu.
How quickly will an NEFT transfer using IOBA0001030 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Krishnagiri reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Krishnagiri branch?
You can reach the branch at 4343-236017 during regular banking hours.
Final notes
To recap: IOBA0001030 is the IFSC code of Indian Overseas Bank, KRISHNAGIRI branch, in KRISHNAGIRI, TAMIL NADU. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
