Use this page as a one-stop reference for everything related to Indian Overseas Bank's SUNDAMPATTI branch in PUDUKKOTTAI, TAMIL NADU. The branch's IFSC code IOBA0002844 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 – SUNDAMPATTI is IOBA0002844. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002844 map to this branch in PUDUKKOTTAI, TAMIL NADU.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Sundampatti branch in Pudukkottai. 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, IOBA0002844.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Sundampatti |
| IFSC Code | IOBA0002844 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 215BY1 NORTH STREET,SUNDAMPATTI |
| City | Pudukkottai |
| District | Pudukkottai |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
Sundampatti branch overview
Located at 215BY1 NORTH STREET,SUNDAMPATTI, the Sundampatti branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0002844 is required for all interbank electronic transfers routed through this branch.
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 SUNDAMPATTI branch came to be assigned the code IOBA0002844.
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 IOBA0002844, money simply cannot be routed to the SUNDAMPATTI branch electronically.
Products and account variants supported
Every account opened at the Sundampatti branch is mapped to IFSC IOBA0002844 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 IOBA0002844.
Banking services available
The Sundampatti 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 IOBA0002844
How to transfer money using IFSC IOBA0002844
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 IOBA0002844 across all three.
NEFT to Indian Overseas Bank, SUNDAMPATTI using IFSC IOBA0002844
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 IOBA0002844, and confirm that the system picks up Indian Overseas Bank – SUNDAMPATTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SUNDAMPATTI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's SUNDAMPATTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002844 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 – SUNDAMPATTI, use IMPS. With IFSC IOBA0002844 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 IOBA0002844 for Indian Overseas Bank – SUNDAMPATTI, 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 – IOBA0002844 | Yes – IOBA0002844 | Yes – IOBA0002844 |
For most retail customers crediting the Sundampatti 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 IOBA0002844
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 – SUNDAMPATTI is still mapped to IFSC IOBA0002844. 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 IOBA0002844 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0002844
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the SUNDAMPATTI 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 IOBA0002844 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 Sundampatti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002844 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 – SUNDAMPATTI:
- The IFSC is exactly IOBA0002844 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 SUNDAMPATTI 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 Sundampatti branch sits at 215BY1 NORTH STREET,SUNDAMPATTI. If you are travelling from outside Pudukkottai, 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 IOBA0002844 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0002844 for Indian Overseas Bank – SUNDAMPATTI, 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 Sundampatti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002844, however, work 24x7.
Branch address & contact
Indian Overseas BankSundampatti Branch
215BY1 NORTH STREET,SUNDAMPATTI
Pudukkottai, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0002844
Frequently asked questions
Can I use IFSC IOBA0002844 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002844 to send funds instantly.
Is IFSC IOBA0002844 valid for NEFT and RTGS?
Yes. IFSC IOBA0002844 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Sundampatti as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002844, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0002844 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Sundampatti reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Sundampatti branch?
You can reach the branch at 44-28584896 during regular banking hours.
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 Sundampatti branch but serve different purposes.
Where is Indian Overseas Bank Sundampatti branch located?
Indian Overseas Bank's Sundampatti branch is located at 215BY1 NORTH STREET,SUNDAMPATTI, Pudukkottai, Tamil Nadu.
Summary
The IFSC code IOBA0002844 belongs to Indian Overseas Bank's SUNDAMPATTI branch, located at 215BY1 NORTH STREET,SUNDAMPATTI in PUDUKKOTTAI, TAMIL NADU. 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.
