This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, N BEGURU branch in MYSORE. The 11-digit IFSC IOBA0003727 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the N BEGURU location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – N BEGURU is IOBA0003727. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003727 map to this branch in MYSORE, KARNATAKA.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | N Beguru |
| IFSC Code | IOBA0003727 |
| MICR Code | Refer to cheque leaf |
| Branch Address | N BEGURU NO 1 PANCHAYATH BUILGING H D KOTE TAL DIST MYSORE 571116 |
| City | Mysore |
| District | Mysore |
| State | Karnataka |
| STD Code | 821 |
| Phone | 2417115 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the N Beguru branch in Mysore. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0003727.
N Beguru branch overview
Located at N BEGURU NO 1 PANCHAYATH BUILGING H D KOTE TAL DIST MYSORE 571116, the N Beguru branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003727 is required for all interbank electronic transfers routed through this branch.
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 N BEGURU branch came to be assigned the code IOBA0003727.
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 IOBA0003727, money simply cannot be routed to the N BEGURU branch electronically.
How to transfer money using IFSC IOBA0003727
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 IOBA0003727 across all three.
How to use IFSC IOBA0003727 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's N BEGURU 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 IOBA0003727.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as N BEGURU.
- 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 N BEGURU
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's N BEGURU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003727 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 – N BEGURU, use IMPS. With IFSC IOBA0003727 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to N Beguru
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 IOBA0003727:
- 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 N BEGURU is still linked to IFSC IOBA0003727.
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.
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 N BEGURU branch, the IFSC IOBA0003727 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.
Products and account variants supported
Every account opened at the N Beguru branch is mapped to IFSC IOBA0003727 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 IOBA0003727.
Banking services available
The N Beguru branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 821-2417115.
- 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 IOBA0003727
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 IOBA0003727 and the account number together uniquely identify the N Beguru branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the N Beguru 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 IOBA0003727 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.
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 – N BEGURU:
- The IFSC is exactly IOBA0003727 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 N BEGURU 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 N Beguru branch
The branch is located at N BEGURU NO 1 PANCHAYATH BUILGING H D KOTE TAL DIST MYSORE 571116, 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 N Beguru branch” — the verified location pin for IFSC IOBA0003727 should appear at the top of the results.
- Confirm the branch is open by calling 821-2417115 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 IOBA0003727 and your account number.
Verifying IFSC IOBA0003727 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 IOBA0003727 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 821-2417115.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at N Beguru 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 IOBA0003727 continue to work without interruption.
Branch address & contact
Indian Overseas BankN Beguru Branch
N BEGURU NO 1 PANCHAYATH BUILGING H D KOTE TAL DIST MYSORE 571116
Mysore, Karnataka
Phone: 821-2417115
IFSC: IOBA0003727
Frequently asked questions
Where is Indian Overseas Bank N Beguru branch located?
Indian Overseas Bank's N Beguru branch is located at N BEGURU NO 1 PANCHAYATH BUILGING H D KOTE TAL DIST MYSORE 571116, Mysore, Karnataka.
How quickly will an NEFT transfer using IOBA0003727 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – N Beguru reflect within 30 minutes.
Can I use IFSC IOBA0003727 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003727 to send funds instantly.
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 N Beguru branch but serve different purposes.
Is IFSC IOBA0003727 valid for NEFT and RTGS?
Yes. IFSC IOBA0003727 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank N Beguru as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003727, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank N Beguru branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 821-2417115 to confirm.
Summary
The IFSC code IOBA0003727 belongs to Indian Overseas Bank's N BEGURU branch, located at N BEGURU NO 1 PANCHAYATH BUILGING H D KOTE TAL DIST MYSORE 571116 in MYSORE, KARNATAKA. 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.
