If you are searching for the IFSC code of Indian Overseas Bank, MALLEPALLY branch in MALLAPPALLY, KERALA, this page has every detail you need. The verified IFSC code for this branch is IOBA0000579. 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 MALLEPALLY branch, and detailed step-by-step guides for using the IFSC IOBA0000579 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Overseas Bank – MALLEPALLY is IOBA0000579. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000579 map to this branch in MALLAPPALLY, KERALA.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mallepally branch in Mallappally, Kerala is part of this network and uses the IFSC code IOBA0000579 for all electronic settlement.
About this branch
The branch is located at VINNERS CHAMBER, ASSARIPARAMBIL BUILDING, MALLEPALLY PIN 689585. It serves the Mallappally 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 IOBA0000579 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Mallepally |
| IFSC Code | IOBA0000579 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VINNERS CHAMBER, ASSARIPARAMBIL BUILDING, MALLEPALLY PIN 689585 |
| City | Mallappally |
| District | Pathanamthitta |
| State | Kerala |
| Phone | 2783115 |
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 MALLEPALLY branch came to be assigned the code IOBA0000579.
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 IOBA0000579, money simply cannot be routed to the MALLEPALLY branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Mallepally branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000579 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0000579
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 IOBA0000579 across all three.
How to use IFSC IOBA0000579 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's MALLEPALLY 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 IOBA0000579.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as MALLEPALLY.
- 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 MALLEPALLY
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's MALLEPALLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000579 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 – MALLEPALLY, use IMPS. With IFSC IOBA0000579 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 IOBA0000579 for Indian Overseas Bank – MALLEPALLY, 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 – IOBA0000579 | Yes – IOBA0000579 | Yes – IOBA0000579 |
For most retail customers crediting the Mallepally 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 MALLEPALLY branch, the IFSC IOBA0000579 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.
Products and account variants supported
Every account opened at the Mallepally branch is mapped to IFSC IOBA0000579 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 IOBA0000579.
Banking services available
The Mallepally branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2783115.
- 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 IOBA0000579
Online banking and IFSC IOBA0000579
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the MALLEPALLY 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 IOBA0000579 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.
How to reach the Mallepally branch
The branch is located at VINNERS CHAMBER, ASSARIPARAMBIL BUILDING, MALLEPALLY PIN 689585, which puts it inside Mallappally, the broader Pathanamthitta district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Mallepally branch” — the verified location pin for IFSC IOBA0000579 should appear at the top of the results.
- Confirm the branch is open by calling 2783115 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 IOBA0000579 and your account number.
Common mistakes to avoid when using IFSC IOBA0000579
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 – MALLEPALLY, 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:
IOBA0000579. - 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.
Working hours
Branch counters at Mallepally 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 IOBA0000579 continue to work without interruption.
Verifying IFSC IOBA0000579 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 IOBA0000579 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2783115.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankMallepally Branch
VINNERS CHAMBER, ASSARIPARAMBIL BUILDING, MALLEPALLY PIN 689585
Mallappally, Kerala
Phone: 2783115
IFSC: IOBA0000579
Frequently asked questions
What is the phone number of Indian Overseas Bank Mallepally branch?
You can reach the branch at 2783115 during regular banking hours.
Is IFSC IOBA0000579 the same for all accounts at Mallepally branch?
Yes. The IFSC IOBA0000579 is shared by every account held at Indian Overseas Bank's Mallepally branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank Mallepally as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000579, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0000579 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Mallepally reflect within 30 minutes.
Does Indian Overseas Bank Mallepally branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2783115 to confirm.
Can I use IFSC IOBA0000579 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000579 to send funds instantly.
Final notes
To recap: IOBA0000579 is the IFSC code of Indian Overseas Bank, MALLEPALLY branch, in MALLAPPALLY, KERALA. 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.
