IFSC Code of Indian Overseas Bank, Pondicherrythavalakuppam Branch, Puducherry

Use this page as a one-stop reference for everything related to Indian Overseas Bank's PONDICHERRYTHAVALAKUPPAM branch in PONDICHERRY, PUDUCHERRY. The branch's IFSC code IOBA0001644 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Indian Overseas Bank's PONDICHERRYTHAVALAKUPPAM branch, the IFSC IOBA0001644 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001644 identifies this particular branch.

Branch details at a glance

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pondicherrythavalakuppam branch in Pondicherry, Puducherry is part of this network and uses the IFSC code IOBA0001644 for all electronic settlement.

About the Pondicherrythavalakuppam branch

The Pondicherrythavalakuppam branch of Indian Overseas Bank is situated at ABHISHEKAPURAM ROAD ABHISHEKAPAKKAM THAVALAKUPPAM PONDICHERRY605007. 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 IOBA0001644 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 PONDICHERRYTHAVALAKUPPAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001644 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 IOBA0001644 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IOBA0001644

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 IOBA0001644 across all three.

How to use IFSC IOBA0001644 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's PONDICHERRYTHAVALAKUPPAM 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0001644.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as PONDICHERRYTHAVALAKUPPAM.
5. 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 PONDICHERRYTHAVALAKUPPAM

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's PONDICHERRYTHAVALAKUPPAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001644 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 – PONDICHERRYTHAVALAKUPPAM, use IMPS. With IFSC IOBA0001644 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 IOBA0001644 for Indian Overseas Bank – PONDICHERRYTHAVALAKUPPAM, 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.

For most retail customers crediting the Pondicherrythavalakuppam 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 IOBA0001644

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 – PONDICHERRYTHAVALAKUPPAM is still mapped to IFSC IOBA0001644. 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 IOBA0001644 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pondicherrythavalakuppam branch is mapped to IFSC IOBA0001644 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 IOBA0001644.

Banking services available

The Pondicherrythavalakuppam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22200083.

• 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 IOBA0001644

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 IOBA0001644 and the account number together uniquely identify the Pondicherrythavalakuppam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Pondicherrythavalakuppam 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 IOBA0001644 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.

Common mistakes to avoid when using IFSC IOBA0001644

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 – PONDICHERRYTHAVALAKUPPAM, 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: IOBA0001644.
• 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.

Reaching the branch

The Pondicherrythavalakuppam branch sits at ABHISHEKAPURAM ROAD ABHISHEKAPAKKAM THAVALAKUPPAM PONDICHERRY605007. If you are travelling from outside Pondicherry, search for the branch on a maps application using the bank name and locality, or call 22200083 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 IOBA0001644 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001644 for Indian Overseas Bank – PONDICHERRYTHAVALAKUPPAM, 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 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 Pondicherrythavalakuppam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001644, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0001644 belongs to Indian Overseas Bank's PONDICHERRYTHAVALAKUPPAM branch, located at ABHISHEKAPURAM ROAD ABHISHEKAPAKKAM THAVALAKUPPAM PONDICHERRY605007 in PONDICHERRY, PUDUCHERRY. 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.