IFSC Code of Indian Overseas Bank, Subramanyapuram Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Indian Overseas Bank's SUBRAMANYAPURAM branch in SUBRAMANIAPURAM, TAMIL NADU. The branch's IFSC code IOBA0000681 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 – SUBRAMANYAPURAM is IOBA0000681. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000681 map to this branch in SUBRAMANIAPURAM, TAMIL NADU.

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the Subramanyapuram branch in Subramaniapuram. 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, IOBA0000681.

Branch details at a glance

Subramanyapuram branch overview

Located at 1 BY 93,INDIRANI ILLAM ANNA SALAI SUBRAMANIAPURAM PIN 614805, the Subramanyapuram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000681 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 SUBRAMANYAPURAM branch came to be assigned the code IOBA0000681.

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 IOBA0000681, money simply cannot be routed to the SUBRAMANYAPURAM branch electronically.

Products and account variants supported

Every account opened at the Subramanyapuram branch is mapped to IFSC IOBA0000681 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 IOBA0000681.

Banking services available

The Subramanyapuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 235222.

• 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 IOBA0000681

How to transfer money using IFSC IOBA0000681

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 IOBA0000681 across all three.

NEFT to Indian Overseas Bank, SUBRAMANYAPURAM using IFSC IOBA0000681

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 IOBA0000681, and confirm that the system picks up Indian Overseas Bank – SUBRAMANYAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SUBRAMANYAPURAM

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's SUBRAMANYAPURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000681 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank SUBRAMANYAPURAM (IFSC IOBA0000681)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000681 in your mobile or internet banking app, and the money is credited to the SUBRAMANYAPURAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Subramanyapuram

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 IOBA0000681:

• 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 SUBRAMANYAPURAM is still linked to IFSC IOBA0000681.

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 SUBRAMANYAPURAM branch, the IFSC IOBA0000681 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 Subramanyapuram 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 IOBA0000681 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 IOBA0000681 and the account number together uniquely identify the Subramanyapuram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SUBRAMANYAPURAM:

• The IFSC is exactly IOBA0000681 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 SUBRAMANYAPURAM 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 Subramanyapuram branch sits at 1 BY 93,INDIRANI ILLAM ANNA SALAI SUBRAMANIAPURAM PIN 614805. If you are travelling from outside Subramaniapuram, search for the branch on a maps application using the bank name and locality, or call 235222 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 IOBA0000681 and your account number.

Verifying IFSC IOBA0000681 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 IOBA0000681 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 235222.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Subramanyapuram 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 IOBA0000681 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0000681 is the IFSC code of Indian Overseas Bank, SUBRAMANYAPURAM branch, in SUBRAMANIAPURAM, 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.