This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, NARTHAMALAI branch in NARTHAMALAI. The 11-digit IFSC IOBA0002092 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 NARTHAMALAI 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0002092 is the IFSC of Indian Overseas Bank's NARTHAMALAI branch. The format is fixed: IOBA = bank code, 0 = reserved, 002092 = branch identifier.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Narthamalai branch in Narthamalai, Tamil Nadu is part of this network and uses the IFSC code IOBA0002092 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Narthamalai |
| IFSC Code | IOBA0002092 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BOMMADIMALAI, AMMACHATRAM VILLAGE, NARTHAMALAI PO, KULATHUR, PUDUKKOTTAI DIST PIN 622101 |
| City | Narthamalai |
| District | Pudukkottai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
Narthamalai branch overview
Located at BOMMADIMALAI, AMMACHATRAM VILLAGE, NARTHAMALAI PO, KULATHUR, PUDUKKOTTAI DIST PIN 622101, the Narthamalai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0002092 is required for all interbank electronic transfers routed through this branch.
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 NARTHAMALAI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002092 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 IOBA0002092 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Narthamalai branch is mapped to IFSC IOBA0002092 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 IOBA0002092.
Products and services
Customers walking into the Narthamalai 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 IOBA0002092
How to transfer money using IFSC IOBA0002092
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 IOBA0002092 across all three.
How to use IFSC IOBA0002092 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's NARTHAMALAI 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 IOBA0002092.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as NARTHAMALAI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0002092
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 – NARTHAMALAI, ensure your bank's portal accepts IFSC IOBA0002092 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – NARTHAMALAI, use IMPS. With IFSC IOBA0002092 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 IOBA0002092 for Indian Overseas Bank – NARTHAMALAI, 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 – IOBA0002092 | Yes – IOBA0002092 | Yes – IOBA0002092 |
For most retail customers crediting the Narthamalai 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 NARTHAMALAI branch, the IFSC IOBA0002092 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.
Digital banking channels
Most day-to-day work that customers used to do at the Narthamalai 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 IOBA0002092 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.
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 IOBA0002092 and the account number together uniquely identify the Narthamalai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0002092
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 – NARTHAMALAI, 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:
IOBA0002092. - 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.
How to reach the Narthamalai branch
The branch is located at BOMMADIMALAI, AMMACHATRAM VILLAGE, NARTHAMALAI PO, KULATHUR, PUDUKKOTTAI DIST PIN 622101, which puts it inside Narthamalai, the broader Pudukkottai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Narthamalai branch” — the verified location pin for IFSC IOBA0002092 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0002092 and your account number.
Verifying IFSC IOBA0002092 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 IOBA0002092 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Narthamalai 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 IOBA0002092 continue to work without interruption.
Branch address & contact
Indian Overseas BankNarthamalai Branch
BOMMADIMALAI, AMMACHATRAM VILLAGE, NARTHAMALAI PO, KULATHUR, PUDUKKOTTAI DIST PIN 622101
Narthamalai, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0002092
Frequently asked questions
How quickly will an NEFT transfer using IOBA0002092 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Narthamalai reflect within 30 minutes.
How do I add Indian Overseas Bank Narthamalai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002092, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Narthamalai branch located?
Indian Overseas Bank's Narthamalai branch is located at BOMMADIMALAI, AMMACHATRAM VILLAGE, NARTHAMALAI PO, KULATHUR, PUDUKKOTTAI DIST PIN 622101, Narthamalai, Tamil Nadu.
What is the phone number of Indian Overseas Bank Narthamalai branch?
You can reach the branch at 44-28584896 during regular banking hours.
Is IFSC IOBA0002092 the same for all accounts at Narthamalai branch?
Yes. The IFSC IOBA0002092 is shared by every account held at Indian Overseas Bank's Narthamalai branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0002092 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002092 to send funds instantly.
Summary
The IFSC code IOBA0002092 belongs to Indian Overseas Bank's NARTHAMALAI branch, located at BOMMADIMALAI, AMMACHATRAM VILLAGE, NARTHAMALAI PO, KULATHUR, PUDUKKOTTAI DIST… in NARTHAMALAI, TAMIL NADU. 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.
