If you are searching for the IFSC code of Indian Overseas Bank, ALATHUR branch in PATTUKOTTAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0002296. 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 ALATHUR branch, and detailed step-by-step guides for using the IFSC IOBA0002296 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, IOBA0002296 is the IFSC of Indian Overseas Bank's ALATHUR branch. The format is fixed: IOBA = bank code, 0 = reserved, 002296 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Alathur branch in Pattukottai. 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, IOBA0002296.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Alathur |
| IFSC Code | IOBA0002296 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 3 BY 308 BY 1A,FIRST FLOOR,MAIN ROAD,PATTUKOTTAI TALUK 614901 |
| City | Pattukottai |
| District | Thanjavur |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
About the Alathur branch
The Alathur branch of Indian Overseas Bank is situated at 3 BY 308 BY 1A,FIRST FLOOR,MAIN ROAD,PATTUKOTTAI TALUK 614901. 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 IOBA0002296 is used.
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 ALATHUR branch came to be assigned the code IOBA0002296.
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 IOBA0002296, money simply cannot be routed to the ALATHUR branch electronically.
Products and account variants supported
Every account opened at the Alathur branch is mapped to IFSC IOBA0002296 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 IOBA0002296.
Products and services
Customers walking into the Alathur 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 IOBA0002296
How to transfer money using IFSC IOBA0002296
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 IOBA0002296 across all three.
NEFT to Indian Overseas Bank, ALATHUR using IFSC IOBA0002296
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 IOBA0002296, and confirm that the system picks up Indian Overseas Bank – ALATHUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002296
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 – ALATHUR, ensure your bank's portal accepts IFSC IOBA0002296 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – ALATHUR, use IMPS. With IFSC IOBA0002296 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 IOBA0002296 for Indian Overseas Bank – ALATHUR, 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 – IOBA0002296 | Yes – IOBA0002296 | Yes – IOBA0002296 |
For most retail customers crediting the Alathur 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 ALATHUR branch, the IFSC IOBA0002296 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.
Online banking and IFSC IOBA0002296
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ALATHUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IOBA0002296 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
MICR & cheque-truncation details
Cheques drawn on the Alathur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002296 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0002296
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 – ALATHUR, 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:
IOBA0002296. - 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 Alathur branch
The branch is located at 3 BY 308 BY 1A,FIRST FLOOR,MAIN ROAD,PATTUKOTTAI TALUK 614901, which puts it inside Pattukottai, the broader Thanjavur district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Alathur branch” — the verified location pin for IFSC IOBA0002296 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 IOBA0002296 and your account number.
Verifying IFSC IOBA0002296 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 IOBA0002296 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 Alathur 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 IOBA0002296 continue to work without interruption.
Branch address & contact
Indian Overseas BankAlathur Branch
3 BY 308 BY 1A,FIRST FLOOR,MAIN ROAD,PATTUKOTTAI TALUK 614901
Pattukottai, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0002296
Frequently asked questions
How quickly will an NEFT transfer using IOBA0002296 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Alathur reflect within 30 minutes.
Does Indian Overseas Bank Alathur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
What is the phone number of Indian Overseas Bank Alathur branch?
You can reach the branch at 44-28584896 during regular banking hours.
Can I use IFSC IOBA0002296 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002296 to send funds instantly.
Where is Indian Overseas Bank Alathur branch located?
Indian Overseas Bank's Alathur branch is located at 3 BY 308 BY 1A,FIRST FLOOR,MAIN ROAD,PATTUKOTTAI TALUK 614901, Pattukottai, Tamil Nadu.
Is IFSC IOBA0002296 the same for all accounts at Alathur branch?
Yes. The IFSC IOBA0002296 is shared by every account held at Indian Overseas Bank's Alathur branch. Only the account number changes from customer to customer.
Final notes
To recap: IOBA0002296 is the IFSC code of Indian Overseas Bank, ALATHUR branch, in PATTUKOTTAI, TAMIL NADU. 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.
