If you are searching for the IFSC code of Indian Overseas Bank, ELATHANKUDI branch in MAYURAM,MAYILADUTHURAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0001260. 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 ELATHANKUDI branch, and detailed step-by-step guides for using the IFSC IOBA0001260 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 – ELATHANKUDI is IOBA0001260. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001260 map to this branch in MAYURAM,MAYILADUTHURAI, TAMIL NADU.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Elathankudi |
| IFSC Code | IOBA0001260 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 3 BY 91G MAIN ROAD ELANTHANGUDI, PIN 609401 |
| City | Mayuram,Mayiladuthurai |
| District | Nagapattinam |
| State | Tamil Nadu |
| STD Code | 0 |
| Phone | 252247 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Elathankudi branch in Mayuram,Mayiladuthurai. 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, IOBA0001260.
Elathankudi branch overview
Located at 3 BY 91G MAIN ROAD ELANTHANGUDI, PIN 609401, the Elathankudi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001260 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 ELATHANKUDI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001260 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 IOBA0001260 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 IOBA0001260
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 IOBA0001260 across all three.
NEFT to Indian Overseas Bank, ELATHANKUDI using IFSC IOBA0001260
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 IOBA0001260, and confirm that the system picks up Indian Overseas Bank – ELATHANKUDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0001260
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 – ELATHANKUDI, ensure your bank's portal accepts IFSC IOBA0001260 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank ELATHANKUDI (IFSC IOBA0001260)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001260 in your mobile or internet banking app, and the money is credited to the ELATHANKUDI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0001260 for Indian Overseas Bank – ELATHANKUDI, 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 – IOBA0001260 | Yes – IOBA0001260 | Yes – IOBA0001260 |
For most retail customers crediting the Elathankudi 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 IOBA0001260
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 – ELATHANKUDI is still mapped to IFSC IOBA0001260. 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 IOBA0001260 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Elathankudi branch is mapped to IFSC IOBA0001260 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 IOBA0001260.
Products and services
Customers walking into the Elathankudi 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 IOBA0001260
MICR & cheque-truncation details
Cheques drawn on the Elathankudi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001260 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0001260
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ELATHANKUDI 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 IOBA0001260 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 IOBA0001260
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 – ELATHANKUDI, 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:
IOBA0001260. - 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 Elathankudi branch
The branch is located at 3 BY 91G MAIN ROAD ELANTHANGUDI, PIN 609401, which puts it inside Mayuram,Mayiladuthurai, the broader Nagapattinam district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Elathankudi branch” — the verified location pin for IFSC IOBA0001260 should appear at the top of the results.
- Confirm the branch is open by calling 252247 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 IOBA0001260 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001260 for Indian Overseas Bank – ELATHANKUDI, 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 Elathankudi 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 IOBA0001260 continue to work without interruption.
Branch address & contact
Indian Overseas BankElathankudi Branch
3 BY 91G MAIN ROAD ELANTHANGUDI, PIN 609401
Mayuram,Mayiladuthurai, Tamil Nadu
Phone: 252247
IFSC: IOBA0001260
Frequently asked questions
Where is Indian Overseas Bank Elathankudi branch located?
Indian Overseas Bank's Elathankudi branch is located at 3 BY 91G MAIN ROAD ELANTHANGUDI, PIN 609401, Mayuram,Mayiladuthurai, Tamil Nadu.
How quickly will an NEFT transfer using IOBA0001260 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Elathankudi reflect within 30 minutes.
Is IFSC IOBA0001260 the same for all accounts at Elathankudi branch?
Yes. The IFSC IOBA0001260 is shared by every account held at Indian Overseas Bank's Elathankudi branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Elathankudi branch?
You can reach the branch at 252247 during regular banking hours.
How do I add Indian Overseas Bank Elathankudi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001260, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0001260 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001260 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Elathankudi branch?
The IFSC code of Indian Overseas Bank, Elathankudi branch is IOBA0001260. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0001260 belongs to Indian Overseas Bank's ELATHANKUDI branch, located at 3 BY 91G MAIN ROAD ELANTHANGUDI, PIN 609401 in MAYURAM,MAYILADUTHURAI, 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.
