Use this page as a one-stop reference for everything related to Indian Overseas Bank's PUVALUR branch in LALGUDI, TAMIL NADU. The branch's IFSC code IOBA0001374 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 PUVALUR branch, the IFSC IOBA0001374 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001374 identifies this particular branch.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Puvalur branch — IFSC IOBA0001374 — extends the bank's services to customers in and around Lalgudi, Tamil Nadu.
About this branch
The branch is located at 91 MAIN ROAD PUVALUR POST,LALGUDI TALUK PUVALUR PIN 621712. It serves the Lalgudi 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 IOBA0001374 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Puvalur |
| IFSC Code | IOBA0001374 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 91 MAIN ROAD PUVALUR POST,LALGUDI TALUK PUVALUR PIN 621712 |
| City | Lalgudi |
| District | Tiruchirapalli |
| State | Tamil Nadu |
| Phone | 2541305 |
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 PUVALUR branch came to be assigned the code IOBA0001374.
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 IOBA0001374, money simply cannot be routed to the PUVALUR 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 IOBA0001374 and the account number together uniquely identify the Puvalur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0001374
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 IOBA0001374 across all three.
How to use IFSC IOBA0001374 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's PUVALUR 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 IOBA0001374.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as PUVALUR.
- 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 PUVALUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's PUVALUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001374 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 – PUVALUR, use IMPS. With IFSC IOBA0001374 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 IOBA0001374 for Indian Overseas Bank – PUVALUR, 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 – IOBA0001374 | Yes – IOBA0001374 | Yes – IOBA0001374 |
For most retail customers crediting the Puvalur 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 IOBA0001374
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 – PUVALUR is still mapped to IFSC IOBA0001374. 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 IOBA0001374 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Puvalur branch is mapped to IFSC IOBA0001374 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 IOBA0001374.
Banking services available
The Puvalur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2541305.
- 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 IOBA0001374
Digital banking channels
Most day-to-day work that customers used to do at the Puvalur 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 IOBA0001374 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 Puvalur branch
The branch is located at 91 MAIN ROAD PUVALUR POST,LALGUDI TALUK PUVALUR PIN 621712, which puts it inside Lalgudi, the broader Tiruchirapalli district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Puvalur branch” — the verified location pin for IFSC IOBA0001374 should appear at the top of the results.
- Confirm the branch is open by calling 2541305 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 IOBA0001374 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 – PUVALUR:
- The IFSC is exactly IOBA0001374 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 PUVALUR 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 Puvalur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001374, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001374 for Indian Overseas Bank – PUVALUR, 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
Indian Overseas BankPuvalur Branch
91 MAIN ROAD PUVALUR POST,LALGUDI TALUK PUVALUR PIN 621712
Lalgudi, Tamil Nadu
Phone: 2541305
IFSC: IOBA0001374
Frequently asked questions
Does Indian Overseas Bank Puvalur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2541305 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 Puvalur branch but serve different purposes.
What is the phone number of Indian Overseas Bank Puvalur branch?
You can reach the branch at 2541305 during regular banking hours.
Is IFSC IOBA0001374 the same for all accounts at Puvalur branch?
Yes. The IFSC IOBA0001374 is shared by every account held at Indian Overseas Bank's Puvalur branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0001374 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001374 to send funds instantly.
How do I add Indian Overseas Bank Puvalur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001374, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0001374 belongs to Indian Overseas Bank's PUVALUR branch, located at 91 MAIN ROAD PUVALUR POST,LALGUDI TALUK PUVALUR PIN 621712 in LALGUDI, TAMIL NADU. 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.
