Below are the complete branch details for Indian Overseas Bank, RANIPET branch, located in RANIPET, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000078. 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 IOBA0000078 for Indian Overseas Bank – RANIPET — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IOBA0000078 is the IFSC of Indian Overseas Bank's RANIPET branch. The format is fixed: IOBA = bank code, 0 = reserved, 000078 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ranipet branch in Ranipet. 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, IOBA0000078.
Ranipet branch overview
Located at M S M COMPLEX,4 KANDASAMY MUDALI STREET,RANIPET, the Ranipet branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000078 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ranipet |
| IFSC Code | IOBA0000078 |
| MICR Code | Refer to cheque leaf |
| Branch Address | M S M COMPLEX,4 KANDASAMY MUDALI STREET,RANIPET |
| City | Ranipet |
| District | Vellore |
| State | Tamil Nadu |
| STD Code | 4172 |
| Phone | 272588 |
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 RANIPET of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000078 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 IOBA0000078 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IOBA0000078 and the account number together uniquely identify the Ranipet branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0000078
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 IOBA0000078 across all three.
How to use IFSC IOBA0000078 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's RANIPET 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 IOBA0000078.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as RANIPET.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000078
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 – RANIPET, ensure your bank's portal accepts IFSC IOBA0000078 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – RANIPET, use IMPS. With IFSC IOBA0000078 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 IOBA0000078 for Indian Overseas Bank – RANIPET, 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 – IOBA0000078 | Yes – IOBA0000078 | Yes – IOBA0000078 |
For most retail customers crediting the Ranipet 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 RANIPET branch, the IFSC IOBA0000078 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.
Account types you can open at the Ranipet branch
Once you have an account at Indian Overseas Bank – RANIPET, the IFSC IOBA0000078 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 Ranipet branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4172-272588.
- 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 IOBA0000078
Online banking and IFSC IOBA0000078
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the RANIPET 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 IOBA0000078 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.
How to reach the Ranipet branch
The branch is located at M S M COMPLEX,4 KANDASAMY MUDALI STREET,RANIPET, which puts it inside Ranipet, the broader Vellore district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ranipet branch” — the verified location pin for IFSC IOBA0000078 should appear at the top of the results.
- Confirm the branch is open by calling 4172-272588 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 IOBA0000078 and your account number.
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 – RANIPET:
- The IFSC is exactly IOBA0000078 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 RANIPET 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.
Working hours
Branch counters at Ranipet 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 IOBA0000078 continue to work without interruption.
Verifying IFSC IOBA0000078 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 IOBA0000078 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4172-272588.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankRanipet Branch
M S M COMPLEX,4 KANDASAMY MUDALI STREET,RANIPET
Ranipet, Tamil Nadu
Phone: 4172-272588
IFSC: IOBA0000078
Frequently asked questions
Does Indian Overseas Bank Ranipet branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4172-272588 to confirm.
Is IFSC IOBA0000078 the same for all accounts at Ranipet branch?
Yes. The IFSC IOBA0000078 is shared by every account held at Indian Overseas Bank's Ranipet branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Ranipet branch?
You can reach the branch at 4172-272588 during regular banking hours.
Can I use IFSC IOBA0000078 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000078 to send funds instantly.
Where is Indian Overseas Bank Ranipet branch located?
Indian Overseas Bank's Ranipet branch is located at M S M COMPLEX,4 KANDASAMY MUDALI STREET,RANIPET, Ranipet, Tamil Nadu.
How do I add Indian Overseas Bank Ranipet as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000078, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IOBA0000078 is the IFSC code of Indian Overseas Bank, RANIPET branch, in RANIPET, TAMIL NADU. 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.
