IFSC Code of Indian Overseas Bank, Kuppusamy Nagar Chitlapakkam Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, KUPPUSAMY NAGAR CHITLAPAKKAM branch in TAMBARAM. The 11-digit IFSC IOBA0003680 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the KUPPUSAMY NAGAR CHITLAPAKKAM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, IOBA0003680 is the IFSC of Indian Overseas Bank's KUPPUSAMY NAGAR CHITLAPAKKAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 003680 = branch identifier.

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the Kuppusamy Nagar Chitlapakkam branch in Tambaram. 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, IOBA0003680.

Branch details at a glance

Kuppusamy Nagar Chitlapakkam branch overview

Located at NO 28 OLD NO.38 MARUDU PANDIAR STREET CHITLAPAKKAM CHENNAI 600064, the Kuppusamy Nagar Chitlapakkam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003680 is required for all interbank electronic transfers routed through this branch.

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 KUPPUSAMY NAGAR CHITLAPAKKAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003680 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 IOBA0003680 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Kuppusamy Nagar Chitlapakkam branch is mapped to IFSC IOBA0003680 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 IOBA0003680.

Banking services available

The Kuppusamy Nagar Chitlapakkam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-27232293.

• 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 IOBA0003680

How to transfer money using IFSC IOBA0003680

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 IOBA0003680 across all three.

NEFT to Indian Overseas Bank, KUPPUSAMY NAGAR CHITLAPAKKAM using IFSC IOBA0003680

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 IOBA0003680, and confirm that the system picks up Indian Overseas Bank – KUPPUSAMY NAGAR CHITLAPAKKAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUPPUSAMY NAGAR CHITLAPAKKAM

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KUPPUSAMY NAGAR CHITLAPAKKAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003680 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank KUPPUSAMY NAGAR CHITLAPAKKAM (IFSC IOBA0003680)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003680 in your mobile or internet banking app, and the money is credited to the KUPPUSAMY NAGAR CHITLAPAKKAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kuppusamy Nagar Chitlapakkam

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 IOBA0003680:

• 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 KUPPUSAMY NAGAR CHITLAPAKKAM is still linked to IFSC IOBA0003680.

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 IOBA0003680

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 – KUPPUSAMY NAGAR CHITLAPAKKAM is still mapped to IFSC IOBA0003680. 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 IOBA0003680 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IOBA0003680

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KUPPUSAMY NAGAR CHITLAPAKKAM 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 IOBA0003680 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.

MICR & cheque-truncation details

Cheques drawn on the Kuppusamy Nagar Chitlapakkam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003680 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC IOBA0003680

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 – KUPPUSAMY NAGAR CHITLAPAKKAM, 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: IOBA0003680.
• 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.

Reaching the branch

The Kuppusamy Nagar Chitlapakkam branch sits at NO 28 OLD NO.38 MARUDU PANDIAR STREET CHITLAPAKKAM CHENNAI 600064. If you are travelling from outside Tambaram, search for the branch on a maps application using the bank name and locality, or call 44-27232293 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 IOBA0003680 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003680 for Indian Overseas Bank – KUPPUSAMY NAGAR CHITLAPAKKAM, 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.

Working hours

Branch counters at Kuppusamy Nagar Chitlapakkam 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 IOBA0003680 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0003680 belongs to Indian Overseas Bank's KUPPUSAMY NAGAR CHITLAPAKKAM branch, located at NO 28 OLD NO.38 MARUDU PANDIAR STREET CHITLAPAKKAM CHENNAI 600064 in TAMBARAM, 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.