IFSC Code of Indian Overseas Bank, Koothanallur Lakshmangudi Branch, Tamil Nadu

Below are the complete branch details for Indian Overseas Bank, KOOTHANALLUR LAKSHMANGUDI branch, located in MANNARGUDI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003547. 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 IOBA0003547 for Indian Overseas Bank – KOOTHANALLUR LAKSHMANGUDI — 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, IOBA0003547 is the IFSC of Indian Overseas Bank's KOOTHANALLUR LAKSHMANGUDI branch. The format is fixed: IOBA = bank code, 0 = reserved, 003547 = branch identifier.

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Koothanallur Lakshmangudi branch — IFSC IOBA0003547 — extends the bank's services to customers in and around Mannargudi, Tamil Nadu.

Branch details at a glance

About the Koothanallur Lakshmangudi branch

The Koothanallur Lakshmangudi branch of Indian Overseas Bank is situated at 102C TVR MAIN ROAD LAKSHMANGUDI NEEDAMANGALAM TK TIRUVARUR DT PINCODE 614102. 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 IOBA0003547 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 KOOTHANALLUR LAKSHMANGUDI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003547 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 IOBA0003547 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 Koothanallur Lakshmangudi branch is mapped to IFSC IOBA0003547 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 IOBA0003547.

Products and services

Customers walking into the Koothanallur Lakshmangudi 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 IOBA0003547

How to transfer money using IFSC IOBA0003547

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 IOBA0003547 across all three.

NEFT to Indian Overseas Bank, KOOTHANALLUR LAKSHMANGUDI using IFSC IOBA0003547

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 IOBA0003547, and confirm that the system picks up Indian Overseas Bank – KOOTHANALLUR LAKSHMANGUDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOOTHANALLUR LAKSHMANGUDI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KOOTHANALLUR LAKSHMANGUDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003547 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank KOOTHANALLUR LAKSHMANGUDI (IFSC IOBA0003547)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003547 in your mobile or internet banking app, and the money is credited to the KOOTHANALLUR LAKSHMANGUDI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Koothanallur Lakshmangudi

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0003547:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KOOTHANALLUR LAKSHMANGUDI is still linked to IFSC IOBA0003547.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC IOBA0003547

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 – KOOTHANALLUR LAKSHMANGUDI is still mapped to IFSC IOBA0003547. 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 IOBA0003547 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IOBA0003547

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KOOTHANALLUR LAKSHMANGUDI 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 IOBA0003547 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 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 IOBA0003547 and the account number together uniquely identify the Koothanallur Lakshmangudi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KOOTHANALLUR LAKSHMANGUDI:

• The IFSC is exactly IOBA0003547 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 KOOTHANALLUR LAKSHMANGUDI 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 Koothanallur Lakshmangudi branch sits at 102C TVR MAIN ROAD LAKSHMANGUDI NEEDAMANGALAM TK TIRUVARUR DT PINCODE 614102. If you are travelling from outside Mannargudi, search for the branch on a maps application using the bank name and locality, or call 4365-240922 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 IOBA0003547 and your account number.

Verifying IFSC IOBA0003547 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 IOBA0003547 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4365-240922.
• Visiting the bank's official branch locator page.

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 Koothanallur Lakshmangudi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003547, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0003547 is the IFSC code of Indian Overseas Bank, KOOTHANALLUR LAKSHMANGUDI branch, in MANNARGUDI, 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.