IFSC Code of Indian Overseas Bank, Kallanaikanahalli Anchepalya Centre Branch, Karnataka

Use this page as a one-stop reference for everything related to Indian Overseas Bank's KALLANAIKANAHALLI ANCHEPALYA CENTRE branch in KUNIGAL, KARNATAKA. The branch's IFSC code IOBA0003199 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 – KALLANAIKANAHALLI ANCHEPALYA CENTRE is IOBA0003199. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003199 map to this branch in KUNIGAL, KARNATAKA.

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kallanaikanahalli Anchepalya Centre branch in Kunigal, Karnataka is part of this network and uses the IFSC code IOBA0003199 for all electronic settlement.

About the Kallanaikanahalli Anchepalya Centre branch

The Kallanaikanahalli Anchepalya Centre branch of Indian Overseas Bank is situated at 2ND MAIN,SY NO 94,PLOT NOS 95 BY B AND C,ANCHAPALYA,KUNIGAL TK,TUMUKUR DIST 572126. 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 IOBA0003199 is used.

Branch details at a glance

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 KALLANAIKANAHALLI ANCHEPALYA CENTRE branch came to be assigned the code IOBA0003199.

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 IOBA0003199, money simply cannot be routed to the KALLANAIKANAHALLI ANCHEPALYA CENTRE 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 IOBA0003199 and the account number together uniquely identify the Kallanaikanahalli Anchepalya Centre branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IOBA0003199

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 IOBA0003199 across all three.

How to use IFSC IOBA0003199 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KALLANAIKANAHALLI ANCHEPALYA CENTRE 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0003199.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KALLANAIKANAHALLI ANCHEPALYA CENTRE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KALLANAIKANAHALLI ANCHEPALYA CENTRE

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KALLANAIKANAHALLI ANCHEPALYA CENTRE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003199 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 – KALLANAIKANAHALLI ANCHEPALYA CENTRE, use IMPS. With IFSC IOBA0003199 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC IOBA0003199 for Indian Overseas Bank – KALLANAIKANAHALLI ANCHEPALYA CENTRE, 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 Kallanaikanahalli Anchepalya Centre 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.

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 KALLANAIKANAHALLI ANCHEPALYA CENTRE branch, the IFSC IOBA0003199 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 Kallanaikanahalli Anchepalya Centre branch is mapped to IFSC IOBA0003199 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 IOBA0003199.

Banking services available

The Kallanaikanahalli Anchepalya Centre branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.

• 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 IOBA0003199

Digital banking channels

Most day-to-day work that customers used to do at the Kallanaikanahalli Anchepalya Centre 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 IOBA0003199 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.

Reaching the branch

The Kallanaikanahalli Anchepalya Centre branch sits at 2ND MAIN,SY NO 94,PLOT NOS 95 BY B AND C,ANCHAPALYA,KUNIGAL TK,TUMUKUR DIST 572126. If you are travelling from outside Kunigal, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0003199 and your account number.

Common mistakes to avoid when using IFSC IOBA0003199

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 – KALLANAIKANAHALLI ANCHEPALYA CENTRE, 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: IOBA0003199.
• 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.

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 Kallanaikanahalli Anchepalya Centre branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003199, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003199 for Indian Overseas Bank – KALLANAIKANAHALLI ANCHEPALYA CENTRE, 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

Final notes

To recap: IOBA0003199 is the IFSC code of Indian Overseas Bank, KALLANAIKANAHALLI ANCHEPALYA CENTRE branch, in KUNIGAL, KARNATAKA. 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.