If you are searching for the IFSC code of Indian Overseas Bank, MUDHOL branch in MUDHOL, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0002295. 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 MUDHOL branch, and detailed step-by-step guides for using the IFSC IOBA0002295 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.
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, IOBA0002295 is the IFSC of Indian Overseas Bank's MUDHOL branch. The format is fixed: IOBA = bank code, 0 = reserved, 002295 = branch identifier.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mudhol branch in Mudhol, Andhra Pradesh is part of this network and uses the IFSC code IOBA0002295 for all electronic settlement.
About this branch
The branch is located at CTS 2628 ANJUMAN COMPLEX,OPP KSRTC BUS STAND,MUDHOL 587313. It serves the Mudhol 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 IOBA0002295 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Mudhol |
| IFSC Code | IOBA0002295 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CTS 2628 ANJUMAN COMPLEX,OPP KSRTC BUS STAND,MUDHOL 587313 |
| City | Mudhol |
| District | Adilabad |
| State | Andhra Pradesh |
| Phone | 280205 |
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 MUDHOL branch came to be assigned the code IOBA0002295.
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 IOBA0002295, money simply cannot be routed to the MUDHOL branch electronically.
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 IOBA0002295 and the account number together uniquely identify the Mudhol branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0002295
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 IOBA0002295 across all three.
How to use IFSC IOBA0002295 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's MUDHOL 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 IOBA0002295.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as MUDHOL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0002295
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 – MUDHOL, ensure your bank's portal accepts IFSC IOBA0002295 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – MUDHOL, use IMPS. With IFSC IOBA0002295 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 IOBA0002295 for Indian Overseas Bank – MUDHOL, 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 – IOBA0002295 | Yes – IOBA0002295 | Yes – IOBA0002295 |
For most retail customers crediting the Mudhol 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 IOBA0002295
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 – MUDHOL is still mapped to IFSC IOBA0002295. 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 IOBA0002295 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Mudhol branch is mapped to IFSC IOBA0002295 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 IOBA0002295.
Banking services available
The Mudhol branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 280205.
- 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 IOBA0002295
Online banking and IFSC IOBA0002295
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the MUDHOL 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 IOBA0002295 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.
How to reach the Mudhol branch
The branch is located at CTS 2628 ANJUMAN COMPLEX,OPP KSRTC BUS STAND,MUDHOL 587313, which puts it inside Mudhol, the broader Adilabad district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Mudhol branch” — the verified location pin for IFSC IOBA0002295 should appear at the top of the results.
- Confirm the branch is open by calling 280205 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 IOBA0002295 and your account number.
Common mistakes to avoid when using IFSC IOBA0002295
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 – MUDHOL, 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:
IOBA0002295. - 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.
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 Mudhol branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002295, however, work 24x7.
Verifying IFSC IOBA0002295 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 IOBA0002295 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 280205.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankMudhol Branch
CTS 2628 ANJUMAN COMPLEX,OPP KSRTC BUS STAND,MUDHOL 587313
Mudhol, Andhra Pradesh
Phone: 280205
IFSC: IOBA0002295
Frequently asked questions
Is IFSC IOBA0002295 valid for NEFT and RTGS?
Yes. IFSC IOBA0002295 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IOBA0002295 the same for all accounts at Mudhol branch?
Yes. The IFSC IOBA0002295 is shared by every account held at Indian Overseas Bank's Mudhol branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Mudhol branch?
The IFSC code of Indian Overseas Bank, Mudhol branch is IOBA0002295. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0002295 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Mudhol reflect within 30 minutes.
Can I use IFSC IOBA0002295 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002295 to send funds instantly.
How do I add Indian Overseas Bank Mudhol as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002295, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IOBA0002295 is the IFSC code of Indian Overseas Bank, MUDHOL branch, in MUDHOL, ANDHRA PRADESH. 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.
