Use this page as a one-stop reference for everything related to Indian Overseas Bank's KURUTHANCODE branch in KURUNTHENCODE, TAMIL NADU. The branch's IFSC code IOBA0000939 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.
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 KURUTHANCODE branch, the IFSC IOBA0000939 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000939 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kuruthancode branch in Kurunthencode, Tamil Nadu is part of this network and uses the IFSC code IOBA0000939 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kuruthancode |
| IFSC Code | IOBA0000939 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 8 BY 67A,MICHAEL BUILDINGS KURUTHENCODE PIN 629805 |
| City | Kurunthencode |
| District | Kanniyakumari |
| State | Tamil Nadu |
| Phone | 222154 |
About the Kuruthancode branch
The Kuruthancode branch of Indian Overseas Bank is situated at 8 BY 67A,MICHAEL BUILDINGS KURUTHENCODE PIN 629805. 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 IOBA0000939 is used.
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 KURUTHANCODE branch came to be assigned the code IOBA0000939.
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 IOBA0000939, money simply cannot be routed to the KURUTHANCODE branch electronically.
Account types you can open at the Kuruthancode branch
Once you have an account at Indian Overseas Bank – KURUTHANCODE, the IFSC IOBA0000939 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.
Products and services
Customers walking into the Kuruthancode branch can access most of Indian Overseas Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IOBA0000939
How to transfer money using IFSC IOBA0000939
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 IOBA0000939 across all three.
How to use IFSC IOBA0000939 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KURUTHANCODE 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 IOBA0000939.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KURUTHANCODE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000939
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 – KURUTHANCODE, ensure your bank's portal accepts IFSC IOBA0000939 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank KURUTHANCODE (IFSC IOBA0000939)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000939 in your mobile or internet banking app, and the money is credited to the KURUTHANCODE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000939 for Indian Overseas Bank – KURUTHANCODE, 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 – IOBA0000939 | Yes – IOBA0000939 | Yes – IOBA0000939 |
For most retail customers crediting the Kuruthancode 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 IOBA0000939
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 – KURUTHANCODE is still mapped to IFSC IOBA0000939. 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 IOBA0000939 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0000939
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KURUTHANCODE 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 IOBA0000939 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 Kuruthancode branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000939 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 – KURUTHANCODE:
- The IFSC is exactly IOBA0000939 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 KURUTHANCODE 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 Kuruthancode branch
The branch is located at 8 BY 67A,MICHAEL BUILDINGS KURUTHENCODE PIN 629805, which puts it inside Kurunthencode, the broader Kanniyakumari district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kuruthancode branch” — the verified location pin for IFSC IOBA0000939 should appear at the top of the results.
- Confirm the branch is open by calling 222154 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 IOBA0000939 and your account number.
Verifying IFSC IOBA0000939 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 IOBA0000939 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 222154.
- 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 Kuruthancode branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000939, however, work 24x7.
Branch address & contact
Indian Overseas BankKuruthancode Branch
8 BY 67A,MICHAEL BUILDINGS KURUTHENCODE PIN 629805
Kurunthencode, Tamil Nadu
Phone: 222154
IFSC: IOBA0000939
Frequently asked questions
What is the phone number of Indian Overseas Bank Kuruthancode branch?
You can reach the branch at 222154 during regular banking hours.
Is IFSC IOBA0000939 valid for NEFT and RTGS?
Yes. IFSC IOBA0000939 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0000939 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kuruthancode reflect within 30 minutes.
Where is Indian Overseas Bank Kuruthancode branch located?
Indian Overseas Bank's Kuruthancode branch is located at 8 BY 67A,MICHAEL BUILDINGS KURUTHENCODE PIN 629805, Kurunthencode, Tamil Nadu.
How do I add Indian Overseas Bank Kuruthancode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000939, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Kuruthancode branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 222154 to confirm.
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 Kuruthancode branch but serve different purposes.
Final notes
To recap: IOBA0000939 is the IFSC code of Indian Overseas Bank, KURUTHANCODE branch, in KURUNTHENCODE, 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.
