If you are searching for the IFSC code of Indian Overseas Bank, SWAMIMALAI branch in SWAMIMALAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0000217. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SWAMIMALAI branch, and detailed step-by-step guides for using the IFSC IOBA0000217 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – SWAMIMALAI is IOBA0000217. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000217 map to this branch in SWAMIMALAI, TAMIL NADU.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Swamimalai |
| IFSC Code | IOBA0000217 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 10 NORTH SOUTH RAJAVEEDHI SWAMIMALAI VIA KUMBAKONAM PIN 612302 |
| City | Swamimalai |
| District | Thanjavur |
| State | Tamil Nadu |
| Phone | 2454424 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Swamimalai branch in Swamimalai, Tamil Nadu is part of this network and uses the IFSC code IOBA0000217 for all electronic settlement.
About the Swamimalai branch
The Swamimalai branch of Indian Overseas Bank is situated at 10 NORTH SOUTH RAJAVEEDHI SWAMIMALAI VIA KUMBAKONAM PIN 612302. 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 IOBA0000217 is used.
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 SWAMIMALAI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000217 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 IOBA0000217 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0000217
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 IOBA0000217 across all three.
How to use IFSC IOBA0000217 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's SWAMIMALAI 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 IOBA0000217.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as SWAMIMALAI.
- 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 SWAMIMALAI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's SWAMIMALAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000217 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 – SWAMIMALAI, use IMPS. With IFSC IOBA0000217 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Swamimalai
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 IOBA0000217:
- 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 SWAMIMALAI is still linked to IFSC IOBA0000217.
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.
UPI payments and IFSC IOBA0000217
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 – SWAMIMALAI is still mapped to IFSC IOBA0000217. 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 IOBA0000217 and the beneficiary's account number to complete the transfer.
Account types you can open at the Swamimalai branch
Once you have an account at Indian Overseas Bank – SWAMIMALAI, the IFSC IOBA0000217 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.
Products and services
Customers walking into the Swamimalai 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 IOBA0000217
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 IOBA0000217 and the account number together uniquely identify the Swamimalai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Swamimalai 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 IOBA0000217 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.
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 – SWAMIMALAI:
- The IFSC is exactly IOBA0000217 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 SWAMIMALAI 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.
How to reach the Swamimalai branch
The branch is located at 10 NORTH SOUTH RAJAVEEDHI SWAMIMALAI VIA KUMBAKONAM PIN 612302, which puts it inside Swamimalai, the broader Thanjavur district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Swamimalai branch” — the verified location pin for IFSC IOBA0000217 should appear at the top of the results.
- Confirm the branch is open by calling 2454424 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 IOBA0000217 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000217 for Indian Overseas Bank – SWAMIMALAI, 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 Swamimalai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000217, however, work 24x7.
Branch address & contact
Indian Overseas BankSwamimalai Branch
10 NORTH SOUTH RAJAVEEDHI SWAMIMALAI VIA KUMBAKONAM PIN 612302
Swamimalai, Tamil Nadu
Phone: 2454424
IFSC: IOBA0000217
Frequently asked questions
Is IFSC IOBA0000217 the same for all accounts at Swamimalai branch?
Yes. The IFSC IOBA0000217 is shared by every account held at Indian Overseas Bank's Swamimalai branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Swamimalai branch located?
Indian Overseas Bank's Swamimalai branch is located at 10 NORTH SOUTH RAJAVEEDHI SWAMIMALAI VIA KUMBAKONAM PIN 612302, Swamimalai, Tamil Nadu.
What is the IFSC code of Indian Overseas Bank Swamimalai branch?
The IFSC code of Indian Overseas Bank, Swamimalai branch is IOBA0000217. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Swamimalai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2454424 to confirm.
How do I add Indian Overseas Bank Swamimalai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000217, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0000217 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Swamimalai reflect within 30 minutes.
Summary
The IFSC code IOBA0000217 belongs to Indian Overseas Bank's SWAMIMALAI branch, located at 10 NORTH SOUTH RAJAVEEDHI SWAMIMALAI VIA KUMBAKONAM PIN 612302 in SWAMIMALAI, 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.
