Below are the complete branch details for Indian Overseas Bank, ANOOPPARA branch, located in MUDAKKAL, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000780. 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 IOBA0000780 for Indian Overseas Bank – ANOOPPARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's ANOOPPARA branch, the IFSC IOBA0000780 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000780 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Anooppara branch in Mudakkal, Kerala is part of this network and uses the IFSC code IOBA0000780 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Anooppara |
| IFSC Code | IOBA0000780 |
| MICR Code | Refer to cheque leaf |
| Branch Address | M,M,H,BUILDING,ANOOPPARA,ROAD,AVANAVANCHERRY,PIN,695103 |
| City | Mudakkal |
| District | Thiruvananthapuram |
| State | Kerala |
| Phone | 2632315 |
Anooppara branch overview
Located at M,M,H,BUILDING,ANOOPPARA,ROAD,AVANAVANCHERRY,PIN,695103, the Anooppara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000780 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 ANOOPPARA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000780 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 IOBA0000780 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 Anooppara branch is mapped to IFSC IOBA0000780 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 IOBA0000780.
Banking services available
The Anooppara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2632315.
- 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 IOBA0000780
How to transfer money using IFSC IOBA0000780
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 IOBA0000780 across all three.
NEFT to Indian Overseas Bank, ANOOPPARA using IFSC IOBA0000780
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 IOBA0000780, and confirm that the system picks up Indian Overseas Bank – ANOOPPARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ANOOPPARA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's ANOOPPARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000780 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank ANOOPPARA (IFSC IOBA0000780)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000780 in your mobile or internet banking app, and the money is credited to the ANOOPPARA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000780 for Indian Overseas Bank – ANOOPPARA, 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 – IOBA0000780 | Yes – IOBA0000780 | Yes – IOBA0000780 |
For most retail customers crediting the Anooppara 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 IOBA0000780
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 – ANOOPPARA is still mapped to IFSC IOBA0000780. 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 IOBA0000780 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Anooppara 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 IOBA0000780 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 IOBA0000780 and the account number together uniquely identify the Anooppara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0000780
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 – ANOOPPARA, 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:
IOBA0000780. - 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.
Reaching the branch
The Anooppara branch sits at M,M,H,BUILDING,ANOOPPARA,ROAD,AVANAVANCHERRY,PIN,695103. If you are travelling from outside Mudakkal, search for the branch on a maps application using the bank name and locality, or call 2632315 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 IOBA0000780 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000780 for Indian Overseas Bank – ANOOPPARA, 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 Anooppara 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 IOBA0000780 continue to work without interruption.
Branch address & contact
Indian Overseas BankAnooppara Branch
M,M,H,BUILDING,ANOOPPARA,ROAD,AVANAVANCHERRY,PIN,695103
Mudakkal, Kerala
Phone: 2632315
IFSC: IOBA0000780
Frequently asked questions
Can I use IFSC IOBA0000780 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000780 to send funds instantly.
Is IFSC IOBA0000780 the same for all accounts at Anooppara branch?
Yes. The IFSC IOBA0000780 is shared by every account held at Indian Overseas Bank's Anooppara branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Anooppara branch?
You can reach the branch at 2632315 during regular banking hours.
Where is Indian Overseas Bank Anooppara branch located?
Indian Overseas Bank's Anooppara branch is located at M,M,H,BUILDING,ANOOPPARA,ROAD,AVANAVANCHERRY,PIN,695103, Mudakkal, Kerala.
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 Anooppara branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0000780 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Anooppara reflect within 30 minutes.
Final notes
To recap: IOBA0000780 is the IFSC code of Indian Overseas Bank, ANOOPPARA branch, in MUDAKKAL, 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.
