Below are the complete branch details for Indian Overseas Bank, KADACHANENDAL branch, located in MADURAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001250. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0001250 for Indian Overseas Bank – KADACHANENDAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0001250 is the IFSC of Indian Overseas Bank's KADACHANENDAL branch. The format is fixed: IOBA = bank code, 0 = reserved, 001250 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kadachanendal branch — IFSC IOBA0001250 — extends the bank's services to customers in and around Madurai, Tamil Nadu.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kadachanendal |
| IFSC Code | IOBA0001250 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 80-B, ALAGAR KOIL MAIN ROAD KATHAKINAR VILLAGE, KADACHANENDAL - 625 107 |
| City | Madurai |
| District | Madurai |
| State | Tamil Nadu |
| STD Code | 0 |
| Phone | 2422687 |
About the Kadachanendal branch
The Kadachanendal branch of Indian Overseas Bank is situated at NO 80-B, ALAGAR KOIL MAIN ROAD KATHAKINAR VILLAGE, KADACHANENDAL - 625 107. 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 IOBA0001250 is used.
Why every Indian Overseas Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KADACHANENDAL of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001250 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IOBA0001250 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Kadachanendal branch is mapped to IFSC IOBA0001250 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 IOBA0001250.
Banking services available
The Kadachanendal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2422687.
- 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 IOBA0001250
How to transfer money using IFSC IOBA0001250
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 IOBA0001250 across all three.
NEFT to Indian Overseas Bank, KADACHANENDAL using IFSC IOBA0001250
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 IOBA0001250, and confirm that the system picks up Indian Overseas Bank – KADACHANENDAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0001250
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 – KADACHANENDAL, ensure your bank's portal accepts IFSC IOBA0001250 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – KADACHANENDAL, use IMPS. With IFSC IOBA0001250 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 IOBA0001250 for Indian Overseas Bank – KADACHANENDAL, 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 – IOBA0001250 | Yes – IOBA0001250 | Yes – IOBA0001250 |
For most retail customers crediting the Kadachanendal 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 KADACHANENDAL branch, the IFSC IOBA0001250 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.
Online banking and IFSC IOBA0001250
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KADACHANENDAL 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 IOBA0001250 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 Kadachanendal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001250 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 IOBA0001250
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 – KADACHANENDAL, 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:
IOBA0001250. - 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 Kadachanendal branch
The branch is located at NO 80-B, ALAGAR KOIL MAIN ROAD KATHAKINAR VILLAGE, KADACHANENDAL - 625 107, which puts it inside Madurai, the broader Madurai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kadachanendal branch” — the verified location pin for IFSC IOBA0001250 should appear at the top of the results.
- Confirm the branch is open by calling 2422687 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 IOBA0001250 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001250 for Indian Overseas Bank – KADACHANENDAL, 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 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 Kadachanendal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001250, however, work 24x7.
Branch address & contact
Indian Overseas BankKadachanendal Branch
NO 80-B, ALAGAR KOIL MAIN ROAD KATHAKINAR VILLAGE, KADACHANENDAL - 625 107
Madurai, Tamil Nadu
Phone: 2422687
IFSC: IOBA0001250
Frequently asked questions
How do I add Indian Overseas Bank Kadachanendal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001250, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Kadachanendal branch?
The IFSC code of Indian Overseas Bank, Kadachanendal branch is IOBA0001250. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0001250 valid for NEFT and RTGS?
Yes. IFSC IOBA0001250 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Kadachanendal branch but serve different purposes.
Where is Indian Overseas Bank Kadachanendal branch located?
Indian Overseas Bank's Kadachanendal branch is located at NO 80-B, ALAGAR KOIL MAIN ROAD KATHAKINAR VILLAGE, KADACHANENDAL - 625 107, Madurai, Tamil Nadu.
What is the phone number of Indian Overseas Bank Kadachanendal branch?
You can reach the branch at 2422687 during regular banking hours.
Can I use IFSC IOBA0001250 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001250 to send funds instantly.
Final notes
To recap: IOBA0001250 is the IFSC code of Indian Overseas Bank, KADACHANENDAL branch, in MADURAI, 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.
