If you are searching for the IFSC code of Indian Overseas Bank, CHATURIKHUNTA branch in NILAGIRI, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0003513. 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 CHATURIKHUNTA branch, and detailed step-by-step guides for using the IFSC IOBA0003513 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.
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, IOBA0003513 is the IFSC of Indian Overseas Bank's CHATURIKHUNTA branch. The format is fixed: IOBA = bank code, 0 = reserved, 003513 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Chaturikhunta branch in Nilagiri. 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, IOBA0003513.
About the Chaturikhunta branch
The Chaturikhunta branch of Indian Overseas Bank is situated at 79 48 IST FLOOR CHATURIKHUNTA PS NILAGIRI DIST BALASOR ODISHA 756002. 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 IOBA0003513 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Chaturikhunta |
| IFSC Code | IOBA0003513 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 79 48 IST FLOOR CHATURIKHUNTA PS NILAGIRI DIST BALASOR ODISHA 756002 |
| City | Nilagiri |
| District | Baleshwar |
| State | Odisha |
| STD Code | 6782 |
| Phone | 275168 |
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 CHATURIKHUNTA branch came to be assigned the code IOBA0003513.
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 IOBA0003513, money simply cannot be routed to the CHATURIKHUNTA branch electronically.
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 IOBA0003513 and the account number together uniquely identify the Chaturikhunta branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003513
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 IOBA0003513 across all three.
How to use IFSC IOBA0003513 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's CHATURIKHUNTA 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 IOBA0003513.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as CHATURIKHUNTA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0003513
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 – CHATURIKHUNTA, ensure your bank's portal accepts IFSC IOBA0003513 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank CHATURIKHUNTA (IFSC IOBA0003513)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003513 in your mobile or internet banking app, and the money is credited to the CHATURIKHUNTA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003513 for Indian Overseas Bank – CHATURIKHUNTA, 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 – IOBA0003513 | Yes – IOBA0003513 | Yes – IOBA0003513 |
For most retail customers crediting the Chaturikhunta 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 IOBA0003513
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 – CHATURIKHUNTA is still mapped to IFSC IOBA0003513. 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 IOBA0003513 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chaturikhunta branch is mapped to IFSC IOBA0003513 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 IOBA0003513.
Banking services available
The Chaturikhunta branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6782-275168.
- 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 IOBA0003513
Digital banking channels
Most day-to-day work that customers used to do at the Chaturikhunta 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 IOBA0003513 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.
How to reach the Chaturikhunta branch
The branch is located at 79 48 IST FLOOR CHATURIKHUNTA PS NILAGIRI DIST BALASOR ODISHA 756002, which puts it inside Nilagiri, the broader Baleshwar district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Chaturikhunta branch” — the verified location pin for IFSC IOBA0003513 should appear at the top of the results.
- Confirm the branch is open by calling 6782-275168 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 IOBA0003513 and your account number.
Common mistakes to avoid when using IFSC IOBA0003513
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 – CHATURIKHUNTA, 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:
IOBA0003513. - 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.
Working hours
Branch counters at Chaturikhunta 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 IOBA0003513 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003513 for Indian Overseas Bank – CHATURIKHUNTA, 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 address & contact
Indian Overseas BankChaturikhunta Branch
79 48 IST FLOOR CHATURIKHUNTA PS NILAGIRI DIST BALASOR ODISHA 756002
Nilagiri, Odisha
Phone: 6782-275168
IFSC: IOBA0003513
Frequently asked questions
Is IFSC IOBA0003513 the same for all accounts at Chaturikhunta branch?
Yes. The IFSC IOBA0003513 is shared by every account held at Indian Overseas Bank's Chaturikhunta branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Chaturikhunta branch?
The IFSC code of Indian Overseas Bank, Chaturikhunta branch is IOBA0003513. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0003513 valid for NEFT and RTGS?
Yes. IFSC IOBA0003513 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0003513 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Chaturikhunta reflect within 30 minutes.
Where is Indian Overseas Bank Chaturikhunta branch located?
Indian Overseas Bank's Chaturikhunta branch is located at 79 48 IST FLOOR CHATURIKHUNTA PS NILAGIRI DIST BALASOR ODISHA 756002, Nilagiri, Odisha.
Does Indian Overseas Bank Chaturikhunta branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 6782-275168 to confirm.
How do I add Indian Overseas Bank Chaturikhunta as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003513, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0003513 belongs to Indian Overseas Bank's CHATURIKHUNTA branch, located at 79 48 IST FLOOR CHATURIKHUNTA PS NILAGIRI DIST BALASOR ODISHA 756002 in NILAGIRI, ODISHA. 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.
