Use this page as a one-stop reference for everything related to Indian Overseas Bank's PERINTHALMANNA branch in PERINTALMANNA, KERALA. The branch's IFSC code IOBA0001284 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.
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 – PERINTHALMANNA is IOBA0001284. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001284 map to this branch in PERINTALMANNA, KERALA.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Perinthalmanna branch — IFSC IOBA0001284 — extends the bank's services to customers in and around Perintalmanna, Kerala.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Perinthalmanna |
| IFSC Code | IOBA0001284 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 19 BY 438 LOURDU MATHA SHOP COM,CALICUT ROAD,PERINTHALAMANNA,PIN 679322 |
| City | Perintalmanna |
| District | Malappuram |
| State | Kerala |
| STD Code | 4933 |
| Phone | 226450 |
About this branch
The branch is located at 19 BY 438 LOURDU MATHA SHOP COM,CALICUT ROAD,PERINTHALAMANNA,PIN 679322. It serves the Perintalmanna 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 IOBA0001284 is used to identify this branch on the RBI payments network.
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 PERINTHALMANNA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001284 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 IOBA0001284 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 Perinthalmanna branch is mapped to IFSC IOBA0001284 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 IOBA0001284.
Products and services
Customers walking into the Perinthalmanna 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 IOBA0001284
How to transfer money using IFSC IOBA0001284
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 IOBA0001284 across all three.
NEFT to Indian Overseas Bank, PERINTHALMANNA using IFSC IOBA0001284
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 IOBA0001284, and confirm that the system picks up Indian Overseas Bank – PERINTHALMANNA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PERINTHALMANNA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's PERINTHALMANNA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001284 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 – PERINTHALMANNA, use IMPS. With IFSC IOBA0001284 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 IOBA0001284 for Indian Overseas Bank – PERINTHALMANNA, 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 – IOBA0001284 | Yes – IOBA0001284 | Yes – IOBA0001284 |
For most retail customers crediting the Perinthalmanna 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 IOBA0001284
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 – PERINTHALMANNA is still mapped to IFSC IOBA0001284. 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 IOBA0001284 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 Perinthalmanna 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 IOBA0001284 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 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 IOBA0001284 and the account number together uniquely identify the Perinthalmanna branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0001284
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 – PERINTHALMANNA, 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:
IOBA0001284. - 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 Perinthalmanna branch
The branch is located at 19 BY 438 LOURDU MATHA SHOP COM,CALICUT ROAD,PERINTHALAMANNA,PIN 679322, which puts it inside Perintalmanna, the broader Malappuram district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Perinthalmanna branch” — the verified location pin for IFSC IOBA0001284 should appear at the top of the results.
- Confirm the branch is open by calling 4933-226450 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 IOBA0001284 and your account number.
Verifying IFSC IOBA0001284 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 IOBA0001284 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4933-226450.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Perinthalmanna 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 IOBA0001284 continue to work without interruption.
Branch address & contact
Indian Overseas BankPerinthalmanna Branch
19 BY 438 LOURDU MATHA SHOP COM,CALICUT ROAD,PERINTHALAMANNA,PIN 679322
Perintalmanna, Kerala
Phone: 4933-226450
IFSC: IOBA0001284
Frequently asked questions
Can I use IFSC IOBA0001284 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001284 to send funds instantly.
Is IFSC IOBA0001284 the same for all accounts at Perinthalmanna branch?
Yes. The IFSC IOBA0001284 is shared by every account held at Indian Overseas Bank's Perinthalmanna branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Perinthalmanna branch?
You can reach the branch at 4933-226450 during regular banking hours.
What is the IFSC code of Indian Overseas Bank Perinthalmanna branch?
The IFSC code of Indian Overseas Bank, Perinthalmanna branch is IOBA0001284. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0001284 valid for NEFT and RTGS?
Yes. IFSC IOBA0001284 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Perinthalmanna as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001284, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Perinthalmanna branch located?
Indian Overseas Bank's Perinthalmanna branch is located at 19 BY 438 LOURDU MATHA SHOP COM,CALICUT ROAD,PERINTHALAMANNA,PIN 679322, Perintalmanna, Kerala.
Summary
The IFSC code IOBA0001284 belongs to Indian Overseas Bank's PERINTHALMANNA branch, located at 19 BY 438 LOURDU MATHA SHOP COM,CALICUT ROAD,PERINTHALAMANNA,PIN 679322 in PERINTALMANNA, 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.
