Use this page as a one-stop reference for everything related to Indian Overseas Bank's MUMMIGATTI branch in MUMMIGATTI, KARNATAKA. The branch's IFSC code IOBA0002652 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 MUMMIGATTI branch, the IFSC IOBA0002652 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002652 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 Mummigatti branch in Mummigatti, Karnataka is part of this network and uses the IFSC code IOBA0002652 for all electronic settlement.
About the Mummigatti branch
The Mummigatti branch of Indian Overseas Bank is situated at AT AND POST MUMMIGATTI VILLAGE DHARWAD TALUK 580011. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0002652 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Mummigatti |
| IFSC Code | IOBA0002652 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT AND POST MUMMIGATTI VILLAGE DHARWAD TALUK 580011 |
| City | Mummigatti |
| District | Dharwad |
| State | Karnataka |
| STD Code | 44 |
| Phone | 28584896 |
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 MUMMIGATTI branch came to be assigned the code IOBA0002652.
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 IOBA0002652, money simply cannot be routed to the MUMMIGATTI 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 IOBA0002652 and the account number together uniquely identify the Mummigatti branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0002652
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 IOBA0002652 across all three.
How to use IFSC IOBA0002652 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's MUMMIGATTI 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 IOBA0002652.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as MUMMIGATTI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to MUMMIGATTI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's MUMMIGATTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002652 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – MUMMIGATTI, use IMPS. With IFSC IOBA0002652 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 IOBA0002652 for Indian Overseas Bank – MUMMIGATTI, 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 – IOBA0002652 | Yes – IOBA0002652 | Yes – IOBA0002652 |
For most retail customers crediting the Mummigatti 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 IOBA0002652
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 – MUMMIGATTI is still mapped to IFSC IOBA0002652. 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 IOBA0002652 and the beneficiary's account number to complete the transfer.
Account types you can open at the Mummigatti branch
Once you have an account at Indian Overseas Bank – MUMMIGATTI, the IFSC IOBA0002652 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.
Products and services
Customers walking into the Mummigatti 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 IOBA0002652
Digital banking channels
Most day-to-day work that customers used to do at the Mummigatti 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 IOBA0002652 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.
How to reach the Mummigatti branch
The branch is located at AT AND POST MUMMIGATTI VILLAGE DHARWAD TALUK 580011, which puts it inside Mummigatti, the broader Dharwad district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Mummigatti branch” — the verified location pin for IFSC IOBA0002652 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0002652 and your account number.
Common mistakes to avoid when using IFSC IOBA0002652
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 – MUMMIGATTI, 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:
IOBA0002652. - 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 Mummigatti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002652, however, work 24x7.
Verifying IFSC IOBA0002652 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 IOBA0002652 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankMummigatti Branch
AT AND POST MUMMIGATTI VILLAGE DHARWAD TALUK 580011
Mummigatti, Karnataka
Phone: 44-28584896
IFSC: IOBA0002652
Frequently asked questions
How do I add Indian Overseas Bank Mummigatti as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002652, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Mummigatti branch?
You can reach the branch at 44-28584896 during regular banking hours.
Is IFSC IOBA0002652 the same for all accounts at Mummigatti branch?
Yes. The IFSC IOBA0002652 is shared by every account held at Indian Overseas Bank's Mummigatti branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0002652 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002652 to send funds instantly.
Is IFSC IOBA0002652 valid for NEFT and RTGS?
Yes. IFSC IOBA0002652 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Mummigatti branch located?
Indian Overseas Bank's Mummigatti branch is located at AT AND POST MUMMIGATTI VILLAGE DHARWAD TALUK 580011, Mummigatti, Karnataka.
Final notes
To recap: IOBA0002652 is the IFSC code of Indian Overseas Bank, MUMMIGATTI branch, in MUMMIGATTI, KARNATAKA. 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.
