If you are searching for the IFSC code of Indian Overseas Bank, KANDANPERUR branch in PATHANAMTHITTA, KERALA, this page has every detail you need. The verified IFSC code for this branch is IOBA0000644. 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 KANDANPERUR branch, and detailed step-by-step guides for using the IFSC IOBA0000644 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, IOBA0000644 is the IFSC of Indian Overseas Bank's KANDANPERUR branch. The format is fixed: IOBA = bank code, 0 = reserved, 000644 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Kandanperur branch in Pathanamthitta. 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, IOBA0000644.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kandanperur |
| IFSC Code | IOBA0000644 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VII BY 166 THUNDIYIL BUILDINGS KANDANPERUR KUTTANADU PIN 689615 |
| City | Pathanamthitta |
| District | Pathanamthitta |
| State | Kerala |
| Phone | 2773243 |
About the Kandanperur branch
The Kandanperur branch of Indian Overseas Bank is situated at VII BY 166 THUNDIYIL BUILDINGS KANDANPERUR KUTTANADU PIN 689615. 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 IOBA0000644 is used.
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 KANDANPERUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000644 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 IOBA0000644 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 Kandanperur branch is mapped to IFSC IOBA0000644 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 IOBA0000644.
Banking services available
The Kandanperur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2773243.
- 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 IOBA0000644
How to transfer money using IFSC IOBA0000644
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 IOBA0000644 across all three.
How to use IFSC IOBA0000644 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KANDANPERUR 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 IOBA0000644.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KANDANPERUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000644
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 – KANDANPERUR, ensure your bank's portal accepts IFSC IOBA0000644 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – KANDANPERUR, use IMPS. With IFSC IOBA0000644 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 IOBA0000644 for Indian Overseas Bank – KANDANPERUR, 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 – IOBA0000644 | Yes – IOBA0000644 | Yes – IOBA0000644 |
For most retail customers crediting the Kandanperur 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 IOBA0000644
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 – KANDANPERUR is still mapped to IFSC IOBA0000644. 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 IOBA0000644 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Kandanperur 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 IOBA0000644 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 & cheque-truncation details
Cheques drawn on the Kandanperur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000644 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 – KANDANPERUR:
- The IFSC is exactly IOBA0000644 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 KANDANPERUR 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.
Reaching the branch
The Kandanperur branch sits at VII BY 166 THUNDIYIL BUILDINGS KANDANPERUR KUTTANADU PIN 689615. If you are travelling from outside Pathanamthitta, search for the branch on a maps application using the bank name and locality, or call 2773243 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IOBA0000644 and your account number.
Verifying IFSC IOBA0000644 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 IOBA0000644 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2773243.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kandanperur 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 IOBA0000644 continue to work without interruption.
Branch address & contact
Indian Overseas BankKandanperur Branch
VII BY 166 THUNDIYIL BUILDINGS KANDANPERUR KUTTANADU PIN 689615
Pathanamthitta, Kerala
Phone: 2773243
IFSC: IOBA0000644
Frequently asked questions
How quickly will an NEFT transfer using IOBA0000644 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kandanperur reflect within 30 minutes.
Can I use IFSC IOBA0000644 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000644 to send funds instantly.
Where is Indian Overseas Bank Kandanperur branch located?
Indian Overseas Bank's Kandanperur branch is located at VII BY 166 THUNDIYIL BUILDINGS KANDANPERUR KUTTANADU PIN 689615, Pathanamthitta, Kerala.
Is IFSC IOBA0000644 valid for NEFT and RTGS?
Yes. IFSC IOBA0000644 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Kandanperur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000644, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Kandanperur branch?
You can reach the branch at 2773243 during regular banking hours.
Summary
The IFSC code IOBA0000644 belongs to Indian Overseas Bank's KANDANPERUR branch, located at VII BY 166 THUNDIYIL BUILDINGS KANDANPERUR KUTTANADU PIN 689615 in PATHANAMTHITTA, 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.
