Below are the complete branch details for Indian Overseas Bank, KADANNAPPALLY branch, located in PANAPPUZHA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003574. 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 IOBA0003574 for Indian Overseas Bank – KADANNAPPALLY — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – KADANNAPPALLY is IOBA0003574. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003574 map to this branch in PANAPPUZHA, KERALA.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kadannappally branch in Panappuzha, Kerala is part of this network and uses the IFSC code IOBA0003574 for all electronic settlement.
About the Kadannappally branch
The Kadannappally branch of Indian Overseas Bank is situated at 31/2A2,NEAR KADANNAPALLY PANAPUZHA SER.COOP BANK,CHANDAPURA,KADANNAPPALLY P.O - 670501. 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 IOBA0003574 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kadannappally |
| IFSC Code | IOBA0003574 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 31/2A2,NEAR KADANNAPALLY PANAPUZHA SER.COOP BANK,CHANDAPURA,KADANNAPPALLY P.O - 670501 |
| City | Panappuzha |
| District | Cannur |
| State | Kerala |
| STD Code | 495 |
| Phone | 2766760 |
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 KADANNAPPALLY branch came to be assigned the code IOBA0003574.
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 IOBA0003574, money simply cannot be routed to the KADANNAPPALLY 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 IOBA0003574 and the account number together uniquely identify the Kadannappally branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003574
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 IOBA0003574 across all three.
How to use IFSC IOBA0003574 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KADANNAPPALLY 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 IOBA0003574.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KADANNAPPALLY.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to KADANNAPPALLY
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KADANNAPPALLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003574 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – KADANNAPPALLY, use IMPS. With IFSC IOBA0003574 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 IOBA0003574 for Indian Overseas Bank – KADANNAPPALLY, 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 – IOBA0003574 | Yes – IOBA0003574 | Yes – IOBA0003574 |
For most retail customers crediting the Kadannappally 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 IOBA0003574
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 – KADANNAPPALLY is still mapped to IFSC IOBA0003574. 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 IOBA0003574 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kadannappally branch
Once you have an account at Indian Overseas Bank – KADANNAPPALLY, the IFSC IOBA0003574 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Kadannappally 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 IOBA0003574
Digital banking channels
Most day-to-day work that customers used to do at the Kadannappally 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 IOBA0003574 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 Kadannappally branch
The branch is located at 31/2A2,NEAR KADANNAPALLY PANAPUZHA SER.COOP BANK,CHANDAPURA,KADANNAPPALLY P.O - 670501, which puts it inside Panappuzha, the broader Cannur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kadannappally branch” — the verified location pin for IFSC IOBA0003574 should appear at the top of the results.
- Confirm the branch is open by calling 495-2766760 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 IOBA0003574 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 – KADANNAPPALLY:
- The IFSC is exactly IOBA0003574 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 KADANNAPPALLY 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.
Working hours
Branch counters at Kadannappally 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 IOBA0003574 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003574 for Indian Overseas Bank – KADANNAPPALLY, 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 BankKadannappally Branch
31/2A2,NEAR KADANNAPALLY PANAPUZHA SER.COOP BANK,CHANDAPURA,KADANNAPPALLY P.O - 670501
Panappuzha, Kerala
Phone: 495-2766760
IFSC: IOBA0003574
Frequently asked questions
Is IFSC IOBA0003574 valid for NEFT and RTGS?
Yes. IFSC IOBA0003574 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Kadannappally branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 495-2766760 to confirm.
What is the phone number of Indian Overseas Bank Kadannappally branch?
You can reach the branch at 495-2766760 during regular banking hours.
Where is Indian Overseas Bank Kadannappally branch located?
Indian Overseas Bank's Kadannappally branch is located at 31/2A2,NEAR KADANNAPALLY PANAPUZHA SER.COOP BANK,CHANDAPURA,KADANNAPPALLY P.O - 670501, Panappuzha, Kerala.
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 Kadannappally branch but serve different purposes.
Is IFSC IOBA0003574 the same for all accounts at Kadannappally branch?
Yes. The IFSC IOBA0003574 is shared by every account held at Indian Overseas Bank's Kadannappally branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0003574 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kadannappally reflect within 30 minutes.
How do I add Indian Overseas Bank Kadannappally as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003574, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0003574 belongs to Indian Overseas Bank's KADANNAPPALLY branch, located at 31/2A2,NEAR KADANNAPALLY PANAPUZHA SER.COOP BANK,CHANDAPURA,KADANNAPPALLY P.O… in PANAPPUZHA, KERALA. 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.
