Below are the complete branch details for Indian Overseas Bank, MAVELIKARA branch, located in MAVELIKKARA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000120. 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 IOBA0000120 for Indian Overseas Bank – MAVELIKARA — 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, IOBA0000120 is the IFSC of Indian Overseas Bank's MAVELIKARA branch. The format is fixed: IOBA = bank code, 0 = reserved, 000120 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Mavelikara |
| IFSC Code | IOBA0000120 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP PVT BUS STAND, B H S ROAD, MAVELIKARA - 690101 |
| City | Mavelikkara |
| District | Alapuzzha |
| State | Kerala |
| STD Code | 479 |
| Phone | 2302379 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mavelikara branch in Mavelikkara, Kerala is part of this network and uses the IFSC code IOBA0000120 for all electronic settlement.
About this branch
The branch is located at OPP PVT BUS STAND, B H S ROAD, MAVELIKARA - 690101. It serves the Mavelikkara 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 IOBA0000120 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 MAVELIKARA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000120 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 IOBA0000120 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 IOBA0000120
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 IOBA0000120 across all three.
NEFT to Indian Overseas Bank, MAVELIKARA using IFSC IOBA0000120
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 IOBA0000120, and confirm that the system picks up Indian Overseas Bank – MAVELIKARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0000120
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 – MAVELIKARA, ensure your bank's portal accepts IFSC IOBA0000120 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – MAVELIKARA, use IMPS. With IFSC IOBA0000120 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 IOBA0000120 for Indian Overseas Bank – MAVELIKARA, 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 – IOBA0000120 | Yes – IOBA0000120 | Yes – IOBA0000120 |
For most retail customers crediting the Mavelikara 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 MAVELIKARA branch, the IFSC IOBA0000120 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 Mavelikara branch
Once you have an account at Indian Overseas Bank – MAVELIKARA, the IFSC IOBA0000120 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 Mavelikara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 479-2302379.
- 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 IOBA0000120
MICR & cheque-truncation details
Cheques drawn on the Mavelikara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000120 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0000120
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the MAVELIKARA 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 IOBA0000120 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 IOBA0000120
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 – MAVELIKARA, 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:
IOBA0000120. - 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 Mavelikara branch
The branch is located at OPP PVT BUS STAND, B H S ROAD, MAVELIKARA - 690101, which puts it inside Mavelikkara, the broader Alapuzzha district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Mavelikara branch” — the verified location pin for IFSC IOBA0000120 should appear at the top of the results.
- Confirm the branch is open by calling 479-2302379 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 IOBA0000120 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000120 for Indian Overseas Bank – MAVELIKARA, 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.
Working hours
Branch counters at Mavelikara 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 IOBA0000120 continue to work without interruption.
Branch address & contact
Indian Overseas BankMavelikara Branch
OPP PVT BUS STAND, B H S ROAD, MAVELIKARA - 690101
Mavelikkara, Kerala
Phone: 479-2302379
IFSC: IOBA0000120
Frequently asked questions
Is IFSC IOBA0000120 the same for all accounts at Mavelikara branch?
Yes. The IFSC IOBA0000120 is shared by every account held at Indian Overseas Bank's Mavelikara branch. Only the account number changes from customer to customer.
Is IFSC IOBA0000120 valid for NEFT and RTGS?
Yes. IFSC IOBA0000120 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Overseas Bank Mavelikara branch?
The IFSC code of Indian Overseas Bank, Mavelikara branch is IOBA0000120. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0000120 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Mavelikara reflect within 30 minutes.
How do I add Indian Overseas Bank Mavelikara as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000120, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0000120 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000120 to send funds instantly.
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 Mavelikara branch but serve different purposes.
Final notes
To recap: IOBA0000120 is the IFSC code of Indian Overseas Bank, MAVELIKARA branch, in MAVELIKKARA, 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.
