IFSC Code of Indian Overseas Bank, Kumudepalli Branch, Karnataka

Use this page as a one-stop reference for everything related to Indian Overseas Bank's KUMUDEPALLI branch in KUMUDAPALLI, KARNATAKA. The branch's IFSC code IOBA0000869 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Indian Overseas Bank – KUMUDEPALLI is IOBA0000869. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000869 map to this branch in KUMUDAPALLI, KARNATAKA.

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kumudepalli branch — IFSC IOBA0000869 — extends the bank's services to customers in and around Kumudapalli, Karnataka.

About the Kumudepalli branch

The Kumudepalli branch of Indian Overseas Bank is situated at ADHIYAMAAN COLLEGE OF ENGG CAMPUS, HOSUR KRISHNAGIRI ROAD, HOSUR EAST PIN 635109. 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 IOBA0000869 is used.

Branch details at a glance

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 KUMUDEPALLI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000869 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 IOBA0000869 the same way you would treat your account number — verify it once and save it carefully for future use.

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 IOBA0000869 and the account number together uniquely identify the Kumudepalli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IOBA0000869

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 IOBA0000869 across all three.

NEFT to Indian Overseas Bank, KUMUDEPALLI using IFSC IOBA0000869

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 IOBA0000869, and confirm that the system picks up Indian Overseas Bank – KUMUDEPALLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUMUDEPALLI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KUMUDEPALLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000869 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank KUMUDEPALLI (IFSC IOBA0000869)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000869 in your mobile or internet banking app, and the money is credited to the KUMUDEPALLI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0000869 for Indian Overseas Bank – KUMUDEPALLI, 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.

For most retail customers crediting the Kumudepalli 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 IOBA0000869

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 – KUMUDEPALLI is still mapped to IFSC IOBA0000869. 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 IOBA0000869 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kumudepalli branch is mapped to IFSC IOBA0000869 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 IOBA0000869.

Banking services available

The Kumudepalli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 260543.

• 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 IOBA0000869

Digital banking channels

Most day-to-day work that customers used to do at the Kumudepalli 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 IOBA0000869 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.

How to reach the Kumudepalli branch

The branch is located at ADHIYAMAAN COLLEGE OF ENGG CAMPUS, HOSUR KRISHNAGIRI ROAD, HOSUR EAST PIN 635109, which puts it inside Kumudapalli, the broader Belgaum district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Kumudepalli branch” — the verified location pin for IFSC IOBA0000869 should appear at the top of the results.
2. Confirm the branch is open by calling 260543 before stepping out, especially around public holidays.
3. 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 IOBA0000869 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 – KUMUDEPALLI:

• The IFSC is exactly IOBA0000869 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 KUMUDEPALLI 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 Kumudepalli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000869, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0000869 for Indian Overseas Bank – KUMUDEPALLI, 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

Frequently asked questions

Summary

The IFSC code IOBA0000869 belongs to Indian Overseas Bank's KUMUDEPALLI branch, located at ADHIYAMAAN COLLEGE OF ENGG CAMPUS, HOSUR KRISHNAGIRI ROAD, HOSUR EAST PIN 635109 in KUMUDAPALLI, KARNATAKA. 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.