IFSC Code of Indian Overseas Bank, Srikalahasti Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Indian Overseas Bank's SRIKALAHASTI branch in SRIKALAHASTI, ANDHRA PRADESH. The branch's IFSC code IOBA0003156 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, IOBA0003156 is the IFSC of Indian Overseas Bank's SRIKALAHASTI branch. The format is fixed: IOBA = bank code, 0 = reserved, 003156 = branch identifier.

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the Srikalahasti branch in Srikalahasti. 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, IOBA0003156.

Branch details at a glance

About this branch

The branch is located at H NO.16 605 PANAGAL ROAD SRIRAM NAGAR COLONY OPP FCI SRIKALAHASTI 517644 ANDHRA PRADESH. It serves the Srikalahasti region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0003156 is used to identify this branch on the RBI payments network.

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 SRIKALAHASTI branch came to be assigned the code IOBA0003156.

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 IOBA0003156, money simply cannot be routed to the SRIKALAHASTI branch electronically.

Products and account variants supported

Every account opened at the Srikalahasti branch is mapped to IFSC IOBA0003156 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 IOBA0003156.

Products and services

Customers walking into the Srikalahasti branch can access most of Indian Overseas Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC IOBA0003156

How to transfer money using IFSC IOBA0003156

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 IOBA0003156 across all three.

How to use IFSC IOBA0003156 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's SRIKALAHASTI 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 IOBA0003156.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as SRIKALAHASTI.
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 SRIKALAHASTI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's SRIKALAHASTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003156 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank SRIKALAHASTI (IFSC IOBA0003156)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003156 in your mobile or internet banking app, and the money is credited to the SRIKALAHASTI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Srikalahasti

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0003156:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at SRIKALAHASTI is still linked to IFSC IOBA0003156.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 SRIKALAHASTI branch, the IFSC IOBA0003156 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.

Digital banking channels

Most day-to-day work that customers used to do at the Srikalahasti 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 IOBA0003156 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.

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 IOBA0003156 and the account number together uniquely identify the Srikalahasti branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IOBA0003156

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 – SRIKALAHASTI, 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: IOBA0003156.
• 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.

How to reach the Srikalahasti branch

The branch is located at H NO.16 605 PANAGAL ROAD SRIRAM NAGAR COLONY OPP FCI SRIKALAHASTI 517644 ANDHRA PRADESH, which puts it inside Srikalahasti, the broader Chittoor district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Srikalahasti branch” — the verified location pin for IFSC IOBA0003156 should appear at the top of the results.
2. Confirm the branch is open by calling 44-28584896 before stepping out, especially around public holidays.
3. 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 IOBA0003156 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003156 for Indian Overseas Bank – SRIKALAHASTI, 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 Srikalahasti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003156, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0003156 is the IFSC code of Indian Overseas Bank, SRIKALAHASTI branch, in SRIKALAHASTI, 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.