Below are the complete branch details for Indian Overseas Bank, JAYAPRAKASH NARAYAN NGR branch, located in MYSORE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001541. 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 IOBA0001541 for Indian Overseas Bank – JAYAPRAKASH NARAYAN NGR — 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 – JAYAPRAKASH NARAYAN NGR is IOBA0001541. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001541 map to this branch in MYSORE, KARNATAKA.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jayaprakash Narayan Ngr branch in Mysore, Karnataka is part of this network and uses the IFSC code IOBA0001541 for all electronic settlement.
About the Jayaprakash Narayan Ngr branch
The Jayaprakash Narayan Ngr branch of Indian Overseas Bank is situated at 231,10TH CROSS,B BLOCK,JAYAPRAKASH NARAYAN NGR,MYSORE. 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 IOBA0001541 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Jayaprakash Narayan Ngr |
| IFSC Code | IOBA0001541 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 231,10TH CROSS,B BLOCK,JAYAPRAKASH NARAYAN NGR,MYSORE |
| City | Mysore |
| District | Mysore |
| State | Karnataka |
| STD Code | 1274 |
| Phone | 250428 |
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 JAYAPRAKASH NARAYAN NGR branch came to be assigned the code IOBA0001541.
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 IOBA0001541, money simply cannot be routed to the JAYAPRAKASH NARAYAN NGR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Jayaprakash Narayan Ngr branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001541 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0001541
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 IOBA0001541 across all three.
NEFT to Indian Overseas Bank, JAYAPRAKASH NARAYAN NGR using IFSC IOBA0001541
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 IOBA0001541, and confirm that the system picks up Indian Overseas Bank – JAYAPRAKASH NARAYAN NGR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0001541
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 – JAYAPRAKASH NARAYAN NGR, ensure your bank's portal accepts IFSC IOBA0001541 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank JAYAPRAKASH NARAYAN NGR (IFSC IOBA0001541)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001541 in your mobile or internet banking app, and the money is credited to the JAYAPRAKASH NARAYAN NGR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jayaprakash Narayan Ngr
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0001541:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at JAYAPRAKASH NARAYAN NGR is still linked to IFSC IOBA0001541.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC IOBA0001541
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 – JAYAPRAKASH NARAYAN NGR is still mapped to IFSC IOBA0001541. 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 IOBA0001541 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Jayaprakash Narayan Ngr branch is mapped to IFSC IOBA0001541 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 IOBA0001541.
Products and services
Customers walking into the Jayaprakash Narayan Ngr 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 IOBA0001541
Online banking and IFSC IOBA0001541
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the JAYAPRAKASH NARAYAN NGR 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 IOBA0001541 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 Jayaprakash Narayan Ngr branch
The branch is located at 231,10TH CROSS,B BLOCK,JAYAPRAKASH NARAYAN NGR,MYSORE, which puts it inside Mysore, the broader Mysore district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Jayaprakash Narayan Ngr branch” — the verified location pin for IFSC IOBA0001541 should appear at the top of the results.
- Confirm the branch is open by calling 1274-250428 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 IOBA0001541 and your account number.
Common mistakes to avoid when using IFSC IOBA0001541
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 – JAYAPRAKASH NARAYAN NGR, 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:
IOBA0001541. - 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.
Working hours
Branch counters at Jayaprakash Narayan Ngr 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 IOBA0001541 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001541 for Indian Overseas Bank – JAYAPRAKASH NARAYAN NGR, 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.
Branch address & contact
Indian Overseas BankJayaprakash Narayan Ngr Branch
231,10TH CROSS,B BLOCK,JAYAPRAKASH NARAYAN NGR,MYSORE
Mysore, Karnataka
Phone: 1274-250428
IFSC: IOBA0001541
Frequently asked questions
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 Jayaprakash Narayan Ngr branch but serve different purposes.
Is IFSC IOBA0001541 valid for NEFT and RTGS?
Yes. IFSC IOBA0001541 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Jayaprakash Narayan Ngr branch located?
Indian Overseas Bank's Jayaprakash Narayan Ngr branch is located at 231,10TH CROSS,B BLOCK,JAYAPRAKASH NARAYAN NGR,MYSORE, Mysore, Karnataka.
How quickly will an NEFT transfer using IOBA0001541 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Jayaprakash Narayan Ngr reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Jayaprakash Narayan Ngr branch?
You can reach the branch at 1274-250428 during regular banking hours.
Can I use IFSC IOBA0001541 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001541 to send funds instantly.
How do I add Indian Overseas Bank Jayaprakash Narayan Ngr as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001541, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IOBA0001541 is the IFSC code of Indian Overseas Bank, JAYAPRAKASH NARAYAN NGR branch, in MYSORE, 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.
