Use this page as a one-stop reference for everything related to Indian Overseas Bank's RAJASINGAMANGALAM branch in RAJASINGAMANGALAM, TAMIL NADU. The branch's IFSC code IOBA0001348 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.
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, IOBA0001348 is the IFSC of Indian Overseas Bank's RAJASINGAMANGALAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 001348 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rajasingamangalam branch — IFSC IOBA0001348 — extends the bank's services to customers in and around Rajasingamangalam, Tamil Nadu.
About the Rajasingamangalam branch
The Rajasingamangalam branch of Indian Overseas Bank is situated at D D MAIN ROAD NEAR BUS STAND RAJASINGAMANGALAM PIN 623525. 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 IOBA0001348 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Rajasingamangalam |
| IFSC Code | IOBA0001348 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D D MAIN ROAD NEAR BUS STAND RAJASINGAMANGALAM PIN 623525 |
| City | Rajasingamangalam |
| District | Ramanathapuram |
| State | Tamil Nadu |
| Phone | 251224 |
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 RAJASINGAMANGALAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001348 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 IOBA0001348 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 Rajasingamangalam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001348 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 IOBA0001348
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 IOBA0001348 across all three.
How to use IFSC IOBA0001348 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's RAJASINGAMANGALAM 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0001348.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as RAJASINGAMANGALAM.
- 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 RAJASINGAMANGALAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's RAJASINGAMANGALAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001348 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 – RAJASINGAMANGALAM, use IMPS. With IFSC IOBA0001348 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 IOBA0001348 for Indian Overseas Bank – RAJASINGAMANGALAM, 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 – IOBA0001348 | Yes – IOBA0001348 | Yes – IOBA0001348 |
For most retail customers crediting the Rajasingamangalam 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 IOBA0001348
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 – RAJASINGAMANGALAM is still mapped to IFSC IOBA0001348. 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 IOBA0001348 and the beneficiary's account number to complete the transfer.
Account types you can open at the Rajasingamangalam branch
Once you have an account at Indian Overseas Bank – RAJASINGAMANGALAM, the IFSC IOBA0001348 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Rajasingamangalam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251224.
- 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 IOBA0001348
Online banking and IFSC IOBA0001348
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the RAJASINGAMANGALAM 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 IOBA0001348 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.
Reaching the branch
The Rajasingamangalam branch sits at D D MAIN ROAD NEAR BUS STAND RAJASINGAMANGALAM PIN 623525. If you are travelling from outside Rajasingamangalam, search for the branch on a maps application using the bank name and locality, or call 251224 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 IOBA0001348 and your account number.
Common mistakes to avoid when using IFSC IOBA0001348
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 – RAJASINGAMANGALAM, 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:
IOBA0001348. - 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 Rajasingamangalam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001348, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001348 for Indian Overseas Bank – RAJASINGAMANGALAM, 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 BankRajasingamangalam Branch
D D MAIN ROAD NEAR BUS STAND RAJASINGAMANGALAM PIN 623525
Rajasingamangalam, Tamil Nadu
Phone: 251224
IFSC: IOBA0001348
Frequently asked questions
Does Indian Overseas Bank Rajasingamangalam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 251224 to confirm.
Where is Indian Overseas Bank Rajasingamangalam branch located?
Indian Overseas Bank's Rajasingamangalam branch is located at D D MAIN ROAD NEAR BUS STAND RAJASINGAMANGALAM PIN 623525, Rajasingamangalam, Tamil Nadu.
How do I add Indian Overseas Bank Rajasingamangalam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001348, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0001348 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001348 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 Rajasingamangalam branch but serve different purposes.
Is IFSC IOBA0001348 valid for NEFT and RTGS?
Yes. IFSC IOBA0001348 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0001348 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Rajasingamangalam reflect within 30 minutes.
Is IFSC IOBA0001348 the same for all accounts at Rajasingamangalam branch?
Yes. The IFSC IOBA0001348 is shared by every account held at Indian Overseas Bank's Rajasingamangalam branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0001348 belongs to Indian Overseas Bank's RAJASINGAMANGALAM branch, located at D D MAIN ROAD NEAR BUS STAND RAJASINGAMANGALAM PIN 623525 in RAJASINGAMANGALAM, 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.
