Below are the complete branch details for Indian Overseas Bank, METTUR branch, located in METTUR, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000156. 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 IOBA0000156 for Indian Overseas Bank – METTUR — 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 – METTUR is IOBA0000156. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000156 map to this branch in METTUR, TAMIL NADU.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mettur branch in Mettur, Tamil Nadu is part of this network and uses the IFSC code IOBA0000156 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Mettur |
| IFSC Code | IOBA0000156 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 3 RAMAN NAGAR, METTUR SALEM ROAD,METTUR DAM PIN 636403 |
| City | Mettur |
| District | Salem |
| State | Tamil Nadu |
| STD Code | 4298 |
| Phone | 231021 |
About this branch
The branch is located at 3 RAMAN NAGAR, METTUR SALEM ROAD,METTUR DAM PIN 636403. It serves the Mettur 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 IOBA0000156 is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Overseas Bank's METTUR branch came to be assigned the code IOBA0000156.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IOBA0000156, money simply cannot be routed to the METTUR branch electronically.
Products and account variants supported
Every account opened at the Mettur branch is mapped to IFSC IOBA0000156 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 IOBA0000156.
Banking services available
The Mettur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4298-231021.
- 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 IOBA0000156
How to transfer money using IFSC IOBA0000156
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 IOBA0000156 across all three.
How to use IFSC IOBA0000156 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's METTUR 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 IOBA0000156.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as METTUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000156
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 – METTUR, ensure your bank's portal accepts IFSC IOBA0000156 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank METTUR (IFSC IOBA0000156)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000156 in your mobile or internet banking app, and the money is credited to the METTUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000156 for Indian Overseas Bank – METTUR, 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 – IOBA0000156 | Yes – IOBA0000156 | Yes – IOBA0000156 |
For most retail customers crediting the Mettur 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 METTUR branch, the IFSC IOBA0000156 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.
Digital banking channels
Most day-to-day work that customers used to do at the Mettur 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 IOBA0000156 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.
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 IOBA0000156 and the account number together uniquely identify the Mettur 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 – METTUR:
- The IFSC is exactly IOBA0000156 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 METTUR 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 Mettur branch
The branch is located at 3 RAMAN NAGAR, METTUR SALEM ROAD,METTUR DAM PIN 636403, which puts it inside Mettur, the broader Salem district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Mettur branch” — the verified location pin for IFSC IOBA0000156 should appear at the top of the results.
- Confirm the branch is open by calling 4298-231021 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 IOBA0000156 and your account number.
Verifying IFSC IOBA0000156 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 IOBA0000156 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4298-231021.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mettur 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 IOBA0000156 continue to work without interruption.
Branch address & contact
Indian Overseas BankMettur Branch
3 RAMAN NAGAR, METTUR SALEM ROAD,METTUR DAM PIN 636403
Mettur, Tamil Nadu
Phone: 4298-231021
IFSC: IOBA0000156
Frequently asked questions
How quickly will an NEFT transfer using IOBA0000156 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Mettur reflect within 30 minutes.
How do I add Indian Overseas Bank Mettur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000156, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Mettur branch?
The IFSC code of Indian Overseas Bank, Mettur branch is IOBA0000156. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Overseas Bank Mettur branch?
You can reach the branch at 4298-231021 during regular banking hours.
Is IFSC IOBA0000156 the same for all accounts at Mettur branch?
Yes. The IFSC IOBA0000156 is shared by every account held at Indian Overseas Bank's Mettur branch. Only the account number changes from customer to customer.
Is IFSC IOBA0000156 valid for NEFT and RTGS?
Yes. IFSC IOBA0000156 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Mettur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4298-231021 to confirm.
Where is Indian Overseas Bank Mettur branch located?
Indian Overseas Bank's Mettur branch is located at 3 RAMAN NAGAR, METTUR SALEM ROAD,METTUR DAM PIN 636403, Mettur, Tamil Nadu.
Summary
The IFSC code IOBA0000156 belongs to Indian Overseas Bank's METTUR branch, located at 3 RAMAN NAGAR, METTUR SALEM ROAD,METTUR DAM PIN 636403 in METTUR, 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.
