Use this page as a one-stop reference for everything related to Indian Overseas Bank's NIRMAL branch in NIRMAL, ANDHRA PRADESH. The branch's IFSC code IOBA0003675 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, IOBA0003675 is the IFSC of Indian Overseas Bank's NIRMAL branch. The format is fixed: IOBA = bank code, 0 = reserved, 003675 = 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 Nirmal branch in Nirmal, Andhra Pradesh is part of this network and uses the IFSC code IOBA0003675 for all electronic settlement.
About this branch
The branch is located at 131 D SASTRI NAGAR MNCL ROAD NIRMAL ADILABAD 504106. It serves the Nirmal 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 IOBA0003675 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Nirmal |
| IFSC Code | IOBA0003675 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 131 D SASTRI NAGAR MNCL ROAD NIRMAL ADILABAD 504106 |
| City | Nirmal |
| District | Adilabad |
| State | Andhra Pradesh |
| STD Code | 870 |
| Phone | 2431775 |
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 NIRMAL branch came to be assigned the code IOBA0003675.
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 IOBA0003675, money simply cannot be routed to the NIRMAL 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 IOBA0003675 and the account number together uniquely identify the Nirmal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003675
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 IOBA0003675 across all three.
NEFT to Indian Overseas Bank, NIRMAL using IFSC IOBA0003675
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 IOBA0003675, and confirm that the system picks up Indian Overseas Bank – NIRMAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003675
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 – NIRMAL, ensure your bank's portal accepts IFSC IOBA0003675 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank NIRMAL (IFSC IOBA0003675)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003675 in your mobile or internet banking app, and the money is credited to the NIRMAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003675 for Indian Overseas Bank – NIRMAL, 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 – IOBA0003675 | Yes – IOBA0003675 | Yes – IOBA0003675 |
For most retail customers crediting the Nirmal 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 IOBA0003675
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 – NIRMAL is still mapped to IFSC IOBA0003675. 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 IOBA0003675 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Nirmal branch is mapped to IFSC IOBA0003675 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 IOBA0003675.
Banking services available
The Nirmal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 870-2431775.
- 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 IOBA0003675
Digital banking channels
Most day-to-day work that customers used to do at the Nirmal 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 IOBA0003675 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 Nirmal branch
The branch is located at 131 D SASTRI NAGAR MNCL ROAD NIRMAL ADILABAD 504106, which puts it inside Nirmal, the broader Adilabad district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Nirmal branch” — the verified location pin for IFSC IOBA0003675 should appear at the top of the results.
- Confirm the branch is open by calling 870-2431775 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 IOBA0003675 and your account number.
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 – NIRMAL:
- The IFSC is exactly IOBA0003675 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 NIRMAL 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.
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 Nirmal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003675, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003675 for Indian Overseas Bank – NIRMAL, 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 BankNirmal Branch
131 D SASTRI NAGAR MNCL ROAD NIRMAL ADILABAD 504106
Nirmal, Andhra Pradesh
Phone: 870-2431775
IFSC: IOBA0003675
Frequently asked questions
What is the phone number of Indian Overseas Bank Nirmal branch?
You can reach the branch at 870-2431775 during regular banking hours.
Does Indian Overseas Bank Nirmal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 870-2431775 to confirm.
What is the IFSC code of Indian Overseas Bank Nirmal branch?
The IFSC code of Indian Overseas Bank, Nirmal branch is IOBA0003675. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0003675 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003675 to send funds instantly.
How quickly will an NEFT transfer using IOBA0003675 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Nirmal reflect within 30 minutes.
How do I add Indian Overseas Bank Nirmal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003675, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Nirmal branch but serve different purposes.
Final notes
To recap: IOBA0003675 is the IFSC code of Indian Overseas Bank, NIRMAL branch, in NIRMAL, 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.
