Below are the complete branch details for Indian Overseas Bank, RAPID RETAIL CENTRE MYSORE branch, located in MYSORE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003649. 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 IOBA0003649 for Indian Overseas Bank – RAPID RETAIL CENTRE MYSORE — 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 – RAPID RETAIL CENTRE MYSORE is IOBA0003649. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003649 map to this branch in MYSORE, KARNATAKA.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Rapid Retail Centre Mysore |
| IFSC Code | IOBA0003649 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 2254 A KOUSALYA NEAR METROPOLE CIRCLE VINOBHA ROAD MYSORE 570005 |
| 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 Rapid Retail Centre Mysore 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, IOBA0003649.
About the Rapid Retail Centre Mysore branch
The Rapid Retail Centre Mysore branch of Indian Overseas Bank is situated at 2254 A KOUSALYA NEAR METROPOLE CIRCLE VINOBHA ROAD MYSORE 570005. 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 IOBA0003649 is used.
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 RAPID RETAIL CENTRE MYSORE of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003649 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 IOBA0003649 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0003649
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 IOBA0003649 across all three.
NEFT to Indian Overseas Bank, RAPID RETAIL CENTRE MYSORE using IFSC IOBA0003649
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 IOBA0003649, and confirm that the system picks up Indian Overseas Bank – RAPID RETAIL CENTRE MYSORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAPID RETAIL CENTRE MYSORE
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's RAPID RETAIL CENTRE MYSORE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003649 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 – RAPID RETAIL CENTRE MYSORE, use IMPS. With IFSC IOBA0003649 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 IOBA0003649 for Indian Overseas Bank – RAPID RETAIL CENTRE MYSORE, 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 – IOBA0003649 | Yes – IOBA0003649 | Yes – IOBA0003649 |
For most retail customers crediting the Rapid Retail Centre Mysore 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.
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 RAPID RETAIL CENTRE MYSORE branch, the IFSC IOBA0003649 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.
Account types you can open at the Rapid Retail Centre Mysore branch
Once you have an account at Indian Overseas Bank – RAPID RETAIL CENTRE MYSORE, the IFSC IOBA0003649 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.
Banking services available
The Rapid Retail Centre Mysore 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 IOBA0003649
MICR & cheque-truncation details
Cheques drawn on the Rapid Retail Centre Mysore branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003649 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0003649
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the RAPID RETAIL CENTRE MYSORE 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 IOBA0003649 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.
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 – RAPID RETAIL CENTRE MYSORE:
- The IFSC is exactly IOBA0003649 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 RAPID RETAIL CENTRE MYSORE 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 Rapid Retail Centre Mysore branch
The branch is located at 2254 A KOUSALYA NEAR METROPOLE CIRCLE VINOBHA ROAD MYSORE 570005, 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 Rapid Retail Centre Mysore branch” — the verified location pin for IFSC IOBA0003649 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 IOBA0003649 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003649 for Indian Overseas Bank – RAPID RETAIL CENTRE MYSORE, 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 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 Rapid Retail Centre Mysore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003649, however, work 24x7.
Branch address & contact
Indian Overseas BankRapid Retail Centre Mysore Branch
2254 A KOUSALYA NEAR METROPOLE CIRCLE VINOBHA ROAD MYSORE 570005
Mysore, Karnataka
Phone: 821-2417115
IFSC: IOBA0003649
Frequently asked questions
Is IFSC IOBA0003649 valid for NEFT and RTGS?
Yes. IFSC IOBA0003649 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Rapid Retail Centre Mysore branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 821-2417115 to confirm.
How quickly will an NEFT transfer using IOBA0003649 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Rapid Retail Centre Mysore reflect within 30 minutes.
Where is Indian Overseas Bank Rapid Retail Centre Mysore branch located?
Indian Overseas Bank's Rapid Retail Centre Mysore branch is located at 2254 A KOUSALYA NEAR METROPOLE CIRCLE VINOBHA ROAD MYSORE 570005, Mysore, Karnataka.
How do I add Indian Overseas Bank Rapid Retail Centre Mysore as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003649, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003649 the same for all accounts at Rapid Retail Centre Mysore branch?
Yes. The IFSC IOBA0003649 is shared by every account held at Indian Overseas Bank's Rapid Retail Centre Mysore branch. Only the account number changes from customer to customer.
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 Rapid Retail Centre Mysore branch but serve different purposes.
What is the phone number of Indian Overseas Bank Rapid Retail Centre Mysore branch?
You can reach the branch at 821-2417115 during regular banking hours.
Final notes
To recap: IOBA0003649 is the IFSC code of Indian Overseas Bank, RAPID RETAIL CENTRE MYSORE 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.
