This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, MANAPARAI branch in MANAPPARAI. The 11-digit IFSC IOBA0000053 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the MANAPARAI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 MANAPARAI branch, the IFSC IOBA0000053 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000053 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Manaparai |
| IFSC Code | IOBA0000053 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 49 A,TRICHY RD,MANAPARAI |
| City | Manapparai |
| District | Tiruchiorappalli |
| State | Tamil Nadu |
| STD Code | 4332 |
| Phone | 260558 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Manaparai branch in Manapparai. 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, IOBA0000053.
About this branch
The branch is located at 49 A,TRICHY RD,MANAPARAI. It serves the Manapparai 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 IOBA0000053 is used to identify this branch on the RBI payments network.
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 MANAPARAI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000053 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 IOBA0000053 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0000053
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 IOBA0000053 across all three.
NEFT to Indian Overseas Bank, MANAPARAI using IFSC IOBA0000053
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 IOBA0000053, and confirm that the system picks up Indian Overseas Bank – MANAPARAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MANAPARAI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's MANAPARAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000053 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 – MANAPARAI, use IMPS. With IFSC IOBA0000053 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 IOBA0000053 for Indian Overseas Bank – MANAPARAI, 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 – IOBA0000053 | Yes – IOBA0000053 | Yes – IOBA0000053 |
For most retail customers crediting the Manaparai 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 MANAPARAI branch, the IFSC IOBA0000053 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.
Account types you can open at the Manaparai branch
Once you have an account at Indian Overseas Bank – MANAPARAI, the IFSC IOBA0000053 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 Manaparai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4332-260558.
- 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 IOBA0000053
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 IOBA0000053 and the account number together uniquely identify the Manaparai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0000053
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the MANAPARAI 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 IOBA0000053 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.
Common mistakes to avoid when using IFSC IOBA0000053
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 – MANAPARAI, 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:
IOBA0000053. - 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 Manaparai branch
The branch is located at 49 A,TRICHY RD,MANAPARAI, which puts it inside Manapparai, the broader Tiruchiorappalli district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Manaparai branch” — the verified location pin for IFSC IOBA0000053 should appear at the top of the results.
- Confirm the branch is open by calling 4332-260558 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 IOBA0000053 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000053 for Indian Overseas Bank – MANAPARAI, 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 Manaparai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000053, however, work 24x7.
Branch address & contact
Indian Overseas BankManaparai Branch
49 A,TRICHY RD,MANAPARAI
Manapparai, Tamil Nadu
Phone: 4332-260558
IFSC: IOBA0000053
Frequently asked questions
How do I add Indian Overseas Bank Manaparai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000053, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Manaparai branch located?
Indian Overseas Bank's Manaparai branch is located at 49 A,TRICHY RD,MANAPARAI, Manapparai, Tamil Nadu.
Does Indian Overseas Bank Manaparai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4332-260558 to confirm.
How quickly will an NEFT transfer using IOBA0000053 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Manaparai reflect within 30 minutes.
Can I use IFSC IOBA0000053 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000053 to send funds instantly.
Is IFSC IOBA0000053 valid for NEFT and RTGS?
Yes. IFSC IOBA0000053 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 Manaparai branch but serve different purposes.
Is IFSC IOBA0000053 the same for all accounts at Manaparai branch?
Yes. The IFSC IOBA0000053 is shared by every account held at Indian Overseas Bank's Manaparai branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0000053 belongs to Indian Overseas Bank's MANAPARAI branch, located at 49 A,TRICHY RD,MANAPARAI in MANAPPARAI, 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.
