Below are the complete branch details for Indian Overseas Bank, THENKARA branch, located in MANNARKAD, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003637. 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 IOBA0003637 for Indian Overseas Bank – THENKARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – THENKARA is IOBA0003637. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003637 map to this branch in MANNARKAD, KERALA.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Thenkara |
| IFSC Code | IOBA0003637 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 7 BY 397,NEAR SBI ATM,THENKARA P O,MANNARKKAD,PALAKKAD,KERALA 678782 |
| City | Mannarkad |
| District | Palakkad |
| State | Kerala |
| STD Code | 4924 |
| Phone | 224411 |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Thenkara branch — IFSC IOBA0003637 — extends the bank's services to customers in and around Mannarkad, Kerala.
Thenkara branch overview
Located at 7 BY 397,NEAR SBI ATM,THENKARA P O,MANNARKKAD,PALAKKAD,KERALA 678782, the Thenkara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003637 is required for all interbank electronic transfers routed through this branch.
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 THENKARA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003637 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 IOBA0003637 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 IOBA0003637
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 IOBA0003637 across all three.
NEFT to Indian Overseas Bank, THENKARA using IFSC IOBA0003637
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 IOBA0003637, and confirm that the system picks up Indian Overseas Bank – THENKARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to THENKARA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's THENKARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003637 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 – THENKARA, use IMPS. With IFSC IOBA0003637 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 IOBA0003637 for Indian Overseas Bank – THENKARA, 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 – IOBA0003637 | Yes – IOBA0003637 | Yes – IOBA0003637 |
For most retail customers crediting the Thenkara 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 IOBA0003637
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 – THENKARA is still mapped to IFSC IOBA0003637. 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 IOBA0003637 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Thenkara branch is mapped to IFSC IOBA0003637 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 IOBA0003637.
Products and services
Customers walking into the Thenkara 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 IOBA0003637
MICR & cheque-truncation details
Cheques drawn on the Thenkara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003637 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Thenkara branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0003637 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 – THENKARA:
- The IFSC is exactly IOBA0003637 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 THENKARA 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.
How to reach the Thenkara branch
The branch is located at 7 BY 397,NEAR SBI ATM,THENKARA P O,MANNARKKAD,PALAKKAD,KERALA 678782, which puts it inside Mannarkad, the broader Palakkad district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Thenkara branch” — the verified location pin for IFSC IOBA0003637 should appear at the top of the results.
- Confirm the branch is open by calling 4924-224411 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 IOBA0003637 and your account number.
Verifying IFSC IOBA0003637 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 IOBA0003637 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4924-224411.
- 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 Thenkara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003637, however, work 24x7.
Branch address & contact
Indian Overseas BankThenkara Branch
7 BY 397,NEAR SBI ATM,THENKARA P O,MANNARKKAD,PALAKKAD,KERALA 678782
Mannarkad, Kerala
Phone: 4924-224411
IFSC: IOBA0003637
Frequently asked questions
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 Thenkara branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0003637 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Thenkara reflect within 30 minutes.
How do I add Indian Overseas Bank Thenkara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003637, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Thenkara branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4924-224411 to confirm.
Can I use IFSC IOBA0003637 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003637 to send funds instantly.
Is IFSC IOBA0003637 the same for all accounts at Thenkara branch?
Yes. The IFSC IOBA0003637 is shared by every account held at Indian Overseas Bank's Thenkara branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0003637 belongs to Indian Overseas Bank's THENKARA branch, located at 7 BY 397,NEAR SBI ATM,THENKARA P O,MANNARKKAD,PALAKKAD,KERALA 678782 in MANNARKAD, 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.
