If you are searching for the IFSC code of Indian Overseas Bank, NALGONDA branch in NALGONDA, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0000410. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the NALGONDA branch, and detailed step-by-step guides for using the IFSC IOBA0000410 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – NALGONDA is IOBA0000410. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000410 map to this branch in NALGONDA, ANDHRA PRADESH.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nalgonda branch in Nalgonda, Andhra Pradesh is part of this network and uses the IFSC code IOBA0000410 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Nalgonda |
| IFSC Code | IOBA0000410 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 6 2 1449,RAMAGIRI RD,NALGONDA |
| City | Nalgonda |
| District | Nalgonda |
| State | Andhra Pradesh |
| STD Code | 8682 |
| Phone | 224228 |
About this branch
The branch is located at 6 2 1449,RAMAGIRI RD,NALGONDA. It serves the Nalgonda 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 IOBA0000410 is used to identify this branch on the RBI payments network.
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 NALGONDA branch came to be assigned the code IOBA0000410.
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 IOBA0000410, money simply cannot be routed to the NALGONDA branch electronically.
Products and account variants supported
Every account opened at the Nalgonda branch is mapped to IFSC IOBA0000410 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 IOBA0000410.
Banking services available
The Nalgonda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8682-224228.
- 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 IOBA0000410
How to transfer money using IFSC IOBA0000410
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 IOBA0000410 across all three.
NEFT to Indian Overseas Bank, NALGONDA using IFSC IOBA0000410
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 IOBA0000410, and confirm that the system picks up Indian Overseas Bank – NALGONDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NALGONDA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's NALGONDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000410 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank NALGONDA (IFSC IOBA0000410)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000410 in your mobile or internet banking app, and the money is credited to the NALGONDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000410 for Indian Overseas Bank – NALGONDA, 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 – IOBA0000410 | Yes – IOBA0000410 | Yes – IOBA0000410 |
For most retail customers crediting the Nalgonda 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 IOBA0000410
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 – NALGONDA is still mapped to IFSC IOBA0000410. 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 IOBA0000410 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0000410
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the NALGONDA 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 IOBA0000410 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.
MICR & cheque-truncation details
Cheques drawn on the Nalgonda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000410 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – NALGONDA:
- The IFSC is exactly IOBA0000410 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 NALGONDA 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 Nalgonda branch
The branch is located at 6 2 1449,RAMAGIRI RD,NALGONDA, which puts it inside Nalgonda, the broader Nalgonda district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Nalgonda branch” — the verified location pin for IFSC IOBA0000410 should appear at the top of the results.
- Confirm the branch is open by calling 8682-224228 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 IOBA0000410 and your account number.
Verifying IFSC IOBA0000410 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 IOBA0000410 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8682-224228.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Nalgonda 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 IOBA0000410 continue to work without interruption.
Branch address & contact
Indian Overseas BankNalgonda Branch
6 2 1449,RAMAGIRI RD,NALGONDA
Nalgonda, Andhra Pradesh
Phone: 8682-224228
IFSC: IOBA0000410
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 Nalgonda branch but serve different purposes.
How do I add Indian Overseas Bank Nalgonda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000410, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0000410 the same for all accounts at Nalgonda branch?
Yes. The IFSC IOBA0000410 is shared by every account held at Indian Overseas Bank's Nalgonda branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0000410 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000410 to send funds instantly.
Where is Indian Overseas Bank Nalgonda branch located?
Indian Overseas Bank's Nalgonda branch is located at 6 2 1449,RAMAGIRI RD,NALGONDA, Nalgonda, Andhra Pradesh.
What is the phone number of Indian Overseas Bank Nalgonda branch?
You can reach the branch at 8682-224228 during regular banking hours.
What is the IFSC code of Indian Overseas Bank Nalgonda branch?
The IFSC code of Indian Overseas Bank, Nalgonda branch is IOBA0000410. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: IOBA0000410 is the IFSC code of Indian Overseas Bank, NALGONDA branch, in NALGONDA, ANDHRA PRADESH. 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.
