Use this page as a one-stop reference for everything related to Indian Overseas Bank's KUTTALAM branch in KUTTALAM, TAMIL NADU. The branch's IFSC code IOBA0000045 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 KUTTALAM branch, the IFSC IOBA0000045 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000045 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Kuttalam branch in Kuttalam. 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, IOBA0000045.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kuttalam |
| IFSC Code | IOBA0000045 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 50 METTU STREET KUTTALAM PIN 609801 |
| City | Kuttalam |
| District | Nagapattinam |
| State | Tamil Nadu |
| STD Code | 4364 |
| Phone | 234226 |
About the Kuttalam branch
The Kuttalam branch of Indian Overseas Bank is situated at 50 METTU STREET KUTTALAM PIN 609801. 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 IOBA0000045 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 KUTTALAM branch came to be assigned the code IOBA0000045.
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 IOBA0000045, money simply cannot be routed to the KUTTALAM branch electronically.
Account types you can open at the Kuttalam branch
Once you have an account at Indian Overseas Bank – KUTTALAM, the IFSC IOBA0000045 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 Kuttalam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4364-234226.
- 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 IOBA0000045
How to transfer money using IFSC IOBA0000045
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 IOBA0000045 across all three.
NEFT to Indian Overseas Bank, KUTTALAM using IFSC IOBA0000045
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 IOBA0000045, and confirm that the system picks up Indian Overseas Bank – KUTTALAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KUTTALAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KUTTALAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000045 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank KUTTALAM (IFSC IOBA0000045)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000045 in your mobile or internet banking app, and the money is credited to the KUTTALAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000045 for Indian Overseas Bank – KUTTALAM, 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 – IOBA0000045 | Yes – IOBA0000045 | Yes – IOBA0000045 |
For most retail customers crediting the Kuttalam 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 IOBA0000045
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 – KUTTALAM is still mapped to IFSC IOBA0000045. 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 IOBA0000045 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Kuttalam 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 IOBA0000045 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.
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 IOBA0000045 and the account number together uniquely identify the Kuttalam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0000045
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 – KUTTALAM, 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:
IOBA0000045. - 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.
Reaching the branch
The Kuttalam branch sits at 50 METTU STREET KUTTALAM PIN 609801. If you are travelling from outside Kuttalam, search for the branch on a maps application using the bank name and locality, or call 4364-234226 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 IOBA0000045 and your account number.
Verifying IFSC IOBA0000045 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 IOBA0000045 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4364-234226.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kuttalam 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 IOBA0000045 continue to work without interruption.
Branch address & contact
Indian Overseas BankKuttalam Branch
50 METTU STREET KUTTALAM PIN 609801
Kuttalam, Tamil Nadu
Phone: 4364-234226
IFSC: IOBA0000045
Frequently asked questions
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 Kuttalam branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0000045 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kuttalam reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Kuttalam branch?
The IFSC code of Indian Overseas Bank, Kuttalam branch is IOBA0000045. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Overseas Bank Kuttalam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000045, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Kuttalam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4364-234226 to confirm.
Is IFSC IOBA0000045 the same for all accounts at Kuttalam branch?
Yes. The IFSC IOBA0000045 is shared by every account held at Indian Overseas Bank's Kuttalam branch. Only the account number changes from customer to customer.
Final notes
To recap: IOBA0000045 is the IFSC code of Indian Overseas Bank, KUTTALAM branch, in KUTTALAM, 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.
