Below are the complete branch details for Indian Overseas Bank, VILLUKURI branch, located in NAGERCOIL, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003880. 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 IOBA0003880 for Indian Overseas Bank – VILLUKURI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 VILLUKURI branch, the IFSC IOBA0003880 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003880 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Villukuri |
| IFSC Code | IOBA0003880 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO.9/24A, 9, ST3, VILLUKURI MAIN ROAD, VILLUKURI, KANYAKUMARI DISTRICT, PIN CODE - 629180, TAMILNADU |
| City | Nagercoil |
| District | Kanyakumari |
| State | Tamil Nadu |
| STD Code | 91 |
| Phone | 8925853880 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Villukuri branch in Nagercoil, Tamil Nadu is part of this network and uses the IFSC code IOBA0003880 for all electronic settlement.
About this branch
The branch is located at DOOR NO.9/24A, 9, ST3, VILLUKURI MAIN ROAD, VILLUKURI, KANYAKUMARI DISTRICT, PIN CODE - 629180, TAMILNADU. It serves the Nagercoil 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 IOBA0003880 is used to identify this branch on the RBI payments network.
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 VILLUKURI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003880 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 IOBA0003880 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 IOBA0003880
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 IOBA0003880 across all three.
NEFT to Indian Overseas Bank, VILLUKURI using IFSC IOBA0003880
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 IOBA0003880, and confirm that the system picks up Indian Overseas Bank – VILLUKURI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003880
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 – VILLUKURI, ensure your bank's portal accepts IFSC IOBA0003880 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – VILLUKURI, use IMPS. With IFSC IOBA0003880 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 IOBA0003880 for Indian Overseas Bank – VILLUKURI, 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 – IOBA0003880 | Yes – IOBA0003880 | Yes – IOBA0003880 |
For most retail customers crediting the Villukuri 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 IOBA0003880
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 – VILLUKURI is still mapped to IFSC IOBA0003880. 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 IOBA0003880 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Villukuri branch is mapped to IFSC IOBA0003880 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 IOBA0003880.
Banking services available
The Villukuri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8925853880.
- 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 IOBA0003880
MICR & cheque-truncation details
Cheques drawn on the Villukuri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003880 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0003880
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the VILLUKURI 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 IOBA0003880 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 – VILLUKURI:
- The IFSC is exactly IOBA0003880 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 VILLUKURI 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.
Reaching the branch
The Villukuri branch sits at DOOR NO.9/24A, 9, ST3, VILLUKURI MAIN ROAD, VILLUKURI, KANYAKUMARI DISTRICT, PIN CODE - 629180, TAMILNADU. If you are travelling from outside Nagercoil, search for the branch on a maps application using the bank name and locality, or call 91-8925853880 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IOBA0003880 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003880 for Indian Overseas Bank – VILLUKURI, 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.
Working hours
Branch counters at Villukuri 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 IOBA0003880 continue to work without interruption.
Branch address & contact
Indian Overseas BankVillukuri Branch
DOOR NO.9/24A, 9, ST3, VILLUKURI MAIN ROAD, VILLUKURI, KANYAKUMARI DISTRICT, PIN CODE - 629180, TAMILNADU
Nagercoil, Tamil Nadu
Phone: 91-8925853880
IFSC: IOBA0003880
Frequently asked questions
What is the phone number of Indian Overseas Bank Villukuri branch?
You can reach the branch at 91-8925853880 during regular banking hours.
How do I add Indian Overseas Bank Villukuri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003880, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0003880 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Villukuri reflect within 30 minutes.
Where is Indian Overseas Bank Villukuri branch located?
Indian Overseas Bank's Villukuri branch is located at DOOR NO.9/24A, 9, ST3, VILLUKURI MAIN ROAD, VILLUKURI, KANYAKUMARI DISTRICT, PIN CODE - 629180, TAMILNADU, Nagercoil, Tamil Nadu.
What is the IFSC code of Indian Overseas Bank Villukuri branch?
The IFSC code of Indian Overseas Bank, Villukuri branch is IOBA0003880. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0003880 the same for all accounts at Villukuri branch?
Yes. The IFSC IOBA0003880 is shared by every account held at Indian Overseas Bank's Villukuri branch. Only the account number changes from customer to customer.
Final notes
To recap: IOBA0003880 is the IFSC code of Indian Overseas Bank, VILLUKURI branch, in NAGERCOIL, TAMIL NADU. 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.
