Below are the complete branch details for Indian Overseas Bank, PILER branch, located in PILER, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003384. 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 IOBA0003384 for Indian Overseas Bank – PILER — 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 – PILER is IOBA0003384. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003384 map to this branch in PILER, ANDHRA PRADESH.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Piler branch in Piler. 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, IOBA0003384.
About the Piler branch
The Piler branch of Indian Overseas Bank is situated at 2 157,SRIJHANSI HOSPITAL COMPLEX,TRIUPATHY ROAD,PILER,517214. 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 IOBA0003384 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Piler |
| IFSC Code | IOBA0003384 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 2 157,SRIJHANSI HOSPITAL COMPLEX,TRIUPATHY ROAD,PILER,517214 |
| City | Piler |
| District | Chittoor |
| State | Andhra Pradesh |
| STD Code | 44 |
| Phone | 28584896 |
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 PILER of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003384 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 IOBA0003384 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Piler branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003384 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0003384
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 IOBA0003384 across all three.
NEFT to Indian Overseas Bank, PILER using IFSC IOBA0003384
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 IOBA0003384, and confirm that the system picks up Indian Overseas Bank – PILER. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003384
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 – PILER, ensure your bank's portal accepts IFSC IOBA0003384 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank PILER (IFSC IOBA0003384)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003384 in your mobile or internet banking app, and the money is credited to the PILER branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003384 for Indian Overseas Bank – PILER, 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 – IOBA0003384 | Yes – IOBA0003384 | Yes – IOBA0003384 |
For most retail customers crediting the Piler 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 PILER branch, the IFSC IOBA0003384 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.
Products and account variants supported
Every account opened at the Piler branch is mapped to IFSC IOBA0003384 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 IOBA0003384.
Banking services available
The Piler branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- 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 IOBA0003384
Digital banking channels
Most day-to-day work that customers used to do at the Piler 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 IOBA0003384 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.
Reaching the branch
The Piler branch sits at 2 157,SRIJHANSI HOSPITAL COMPLEX,TRIUPATHY ROAD,PILER,517214. If you are travelling from outside Piler, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0003384 and your account number.
Common mistakes to avoid when using IFSC IOBA0003384
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 – PILER, 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:
IOBA0003384. - 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.
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 Piler branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003384, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003384 for Indian Overseas Bank – PILER, 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 BankPiler Branch
2 157,SRIJHANSI HOSPITAL COMPLEX,TRIUPATHY ROAD,PILER,517214
Piler, Andhra Pradesh
Phone: 44-28584896
IFSC: IOBA0003384
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Piler branch?
The IFSC code of Indian Overseas Bank, Piler branch is IOBA0003384. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Overseas Bank Piler branch located?
Indian Overseas Bank's Piler branch is located at 2 157,SRIJHANSI HOSPITAL COMPLEX,TRIUPATHY ROAD,PILER,517214, Piler, Andhra Pradesh.
Is IFSC IOBA0003384 the same for all accounts at Piler branch?
Yes. The IFSC IOBA0003384 is shared by every account held at Indian Overseas Bank's Piler branch. Only the account number changes from customer to customer.
Does Indian Overseas Bank Piler branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Can I use IFSC IOBA0003384 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003384 to send funds instantly.
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 Piler branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0003384 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Piler reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Piler branch?
You can reach the branch at 44-28584896 during regular banking hours.
Final notes
To recap: IOBA0003384 is the IFSC code of Indian Overseas Bank, PILER branch, in PILER, 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.
