If you are searching for the IFSC code of Indian Overseas Bank, LEEMALE branch in LEMALLE, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0000657. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the LEEMALE branch, and detailed step-by-step guides for using the IFSC IOBA0000657 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 LEEMALE branch, the IFSC IOBA0000657 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000657 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 Leemale branch in Lemalle, Andhra Pradesh is part of this network and uses the IFSC code IOBA0000657 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Leemale |
| IFSC Code | IOBA0000657 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LEMALLE,AMRAVATHI MANDAL,LEMALLE,PIN 522016 |
| City | Lemalle |
| District | Guntur |
| State | Andhra Pradesh |
| Phone | 252825 |
About this branch
The branch is located at LEMALLE,AMRAVATHI MANDAL,LEMALLE,PIN 522016. It serves the Lemalle 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 IOBA0000657 is used to identify this branch on the RBI payments network.
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 LEEMALE branch came to be assigned the code IOBA0000657.
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 IOBA0000657, money simply cannot be routed to the LEEMALE branch electronically.
Products and account variants supported
Every account opened at the Leemale branch is mapped to IFSC IOBA0000657 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 IOBA0000657.
Banking services available
The Leemale branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 252825.
- 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 IOBA0000657
How to transfer money using IFSC IOBA0000657
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 IOBA0000657 across all three.
How to use IFSC IOBA0000657 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's LEEMALE 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 IOBA0000657.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as LEEMALE.
- 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 LEEMALE
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's LEEMALE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000657 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank LEEMALE (IFSC IOBA0000657)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000657 in your mobile or internet banking app, and the money is credited to the LEEMALE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000657 for Indian Overseas Bank – LEEMALE, 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 – IOBA0000657 | Yes – IOBA0000657 | Yes – IOBA0000657 |
For most retail customers crediting the Leemale 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 IOBA0000657
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 – LEEMALE is still mapped to IFSC IOBA0000657. 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 IOBA0000657 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0000657
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the LEEMALE 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 IOBA0000657 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 Leemale branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000657 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0000657
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 – LEEMALE, 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:
IOBA0000657. - 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.
How to reach the Leemale branch
The branch is located at LEMALLE,AMRAVATHI MANDAL,LEMALLE,PIN 522016, which puts it inside Lemalle, the broader Guntur district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Leemale branch” — the verified location pin for IFSC IOBA0000657 should appear at the top of the results.
- Confirm the branch is open by calling 252825 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 IOBA0000657 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000657 for Indian Overseas Bank – LEEMALE, 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.
Working hours
Branch counters at Leemale 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 IOBA0000657 continue to work without interruption.
Branch address & contact
Indian Overseas BankLeemale Branch
LEMALLE,AMRAVATHI MANDAL,LEMALLE,PIN 522016
Lemalle, Andhra Pradesh
Phone: 252825
IFSC: IOBA0000657
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 Leemale branch but serve different purposes.
Where is Indian Overseas Bank Leemale branch located?
Indian Overseas Bank's Leemale branch is located at LEMALLE,AMRAVATHI MANDAL,LEMALLE,PIN 522016, Lemalle, Andhra Pradesh.
How quickly will an NEFT transfer using IOBA0000657 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Leemale reflect within 30 minutes.
Does Indian Overseas Bank Leemale branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 252825 to confirm.
How do I add Indian Overseas Bank Leemale as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000657, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0000657 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000657 to send funds instantly.
Final notes
To recap: IOBA0000657 is the IFSC code of Indian Overseas Bank, LEEMALE branch, in LEMALLE, ANDHRA PRADESH. 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.
