If you are searching for the IFSC code of Indian Overseas Bank, MANJERI branch in MANJERI, KERALA, this page has every detail you need. The verified IFSC code for this branch is IOBA0001263. 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 MANJERI branch, and detailed step-by-step guides for using the IFSC IOBA0001263 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 – MANJERI is IOBA0001263. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001263 map to this branch in MANJERI, KERALA.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Manjeri branch — IFSC IOBA0001263 — extends the bank's services to customers in and around Manjeri, Kerala.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Manjeri |
| IFSC Code | IOBA0001263 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 19,BY,263H,OPP,NEW,BUS,STAND,MANJERI,PIN,676121, |
| City | Manjeri |
| District | Malappuram |
| State | Kerala |
| STD Code | 483 |
| Phone | 2767108 |
About this branch
The branch is located at 19,BY,263H,OPP,NEW,BUS,STAND,MANJERI,PIN,676121,. It serves the Manjeri 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 IOBA0001263 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 MANJERI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001263 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 IOBA0001263 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 Manjeri branch is mapped to IFSC IOBA0001263 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 IOBA0001263.
Products and services
Customers walking into the Manjeri branch can access most of Indian Overseas Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IOBA0001263
How to transfer money using IFSC IOBA0001263
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 IOBA0001263 across all three.
How to use IFSC IOBA0001263 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's MANJERI 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 IOBA0001263.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as MANJERI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0001263
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 – MANJERI, ensure your bank's portal accepts IFSC IOBA0001263 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – MANJERI, use IMPS. With IFSC IOBA0001263 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 IOBA0001263 for Indian Overseas Bank – MANJERI, 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 – IOBA0001263 | Yes – IOBA0001263 | Yes – IOBA0001263 |
For most retail customers crediting the Manjeri 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 IOBA0001263
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 – MANJERI is still mapped to IFSC IOBA0001263. 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 IOBA0001263 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0001263
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the MANJERI 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 IOBA0001263 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 Manjeri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001263 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – MANJERI:
- The IFSC is exactly IOBA0001263 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 MANJERI 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.
Reaching the branch
The Manjeri branch sits at 19,BY,263H,OPP,NEW,BUS,STAND,MANJERI,PIN,676121,. If you are travelling from outside Manjeri, search for the branch on a maps application using the bank name and locality, or call 483-2767108 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IOBA0001263 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001263 for Indian Overseas Bank – MANJERI, 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 Manjeri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001263, however, work 24x7.
Branch address & contact
Indian Overseas BankManjeri Branch
19,BY,263H,OPP,NEW,BUS,STAND,MANJERI,PIN,676121,
Manjeri, Kerala
Phone: 483-2767108
IFSC: IOBA0001263
Frequently asked questions
Is IFSC IOBA0001263 the same for all accounts at Manjeri branch?
Yes. The IFSC IOBA0001263 is shared by every account held at Indian Overseas Bank's Manjeri branch. Only the account number changes from customer to customer.
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 Manjeri branch but serve different purposes.
How do I add Indian Overseas Bank Manjeri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001263, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0001263 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001263 to send funds instantly.
Where is Indian Overseas Bank Manjeri branch located?
Indian Overseas Bank's Manjeri branch is located at 19,BY,263H,OPP,NEW,BUS,STAND,MANJERI,PIN,676121,, Manjeri, Kerala.
Is IFSC IOBA0001263 valid for NEFT and RTGS?
Yes. IFSC IOBA0001263 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0001263 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Manjeri reflect within 30 minutes.
Does Indian Overseas Bank Manjeri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 483-2767108 to confirm.
Summary
The IFSC code IOBA0001263 belongs to Indian Overseas Bank's MANJERI branch, located at 19,BY,263H,OPP,NEW,BUS,STAND,MANJERI,PIN,676121, in MANJERI, KERALA. 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.
