This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, THADIKOMBU branch in THADICOMBU. The 11-digit IFSC IOBA0003166 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 THADIKOMBU 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's THADIKOMBU branch, the IFSC IOBA0003166 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003166 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Thadikombu |
| IFSC Code | IOBA0003166 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 13-K, SOUTH STREET, THADIKOMBU, DINDIGUL - 624 709 |
| City | Thadicombu |
| District | Dindigul |
| State | Tamil Nadu |
| STD Code | 44 |
| Phone | 28584896 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Thadikombu branch in Thadicombu. 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, IOBA0003166.
About this branch
The branch is located at NO 13-K, SOUTH STREET, THADIKOMBU, DINDIGUL - 624 709. It serves the Thadicombu 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 IOBA0003166 is used to identify this branch on the RBI payments network.
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 THADIKOMBU of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003166 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 IOBA0003166 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 IOBA0003166
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 IOBA0003166 across all three.
How to use IFSC IOBA0003166 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's THADIKOMBU 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 IOBA0003166.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as THADIKOMBU.
- 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 THADIKOMBU
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's THADIKOMBU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003166 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 – THADIKOMBU, use IMPS. With IFSC IOBA0003166 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 IOBA0003166 for Indian Overseas Bank – THADIKOMBU, 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 – IOBA0003166 | Yes – IOBA0003166 | Yes – IOBA0003166 |
For most retail customers crediting the Thadikombu 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.
UPI payments and IFSC IOBA0003166
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 – THADIKOMBU is still mapped to IFSC IOBA0003166. 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 IOBA0003166 and the beneficiary's account number to complete the transfer.
Account types you can open at the Thadikombu branch
Once you have an account at Indian Overseas Bank – THADIKOMBU, the IFSC IOBA0003166 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 Thadikombu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- 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 IOBA0003166
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 IOBA0003166 and the account number together uniquely identify the Thadikombu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0003166
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the THADIKOMBU 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 IOBA0003166 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.
Common mistakes to avoid when using IFSC IOBA0003166
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 – THADIKOMBU, 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:
IOBA0003166. - 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 Thadikombu branch sits at NO 13-K, SOUTH STREET, THADIKOMBU, DINDIGUL - 624 709. If you are travelling from outside Thadicombu, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0003166 and your account number.
Verifying IFSC IOBA0003166 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 IOBA0003166 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Thadikombu 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 IOBA0003166 continue to work without interruption.
Branch address & contact
Indian Overseas BankThadikombu Branch
NO 13-K, SOUTH STREET, THADIKOMBU, DINDIGUL - 624 709
Thadicombu, Tamil Nadu
Phone: 44-28584896
IFSC: IOBA0003166
Frequently asked questions
Is IFSC IOBA0003166 valid for NEFT and RTGS?
Yes. IFSC IOBA0003166 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Overseas Bank Thadikombu branch?
The IFSC code of Indian Overseas Bank, Thadikombu branch is IOBA0003166. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Overseas Bank Thadikombu branch?
You can reach the branch at 44-28584896 during regular banking hours.
Where is Indian Overseas Bank Thadikombu branch located?
Indian Overseas Bank's Thadikombu branch is located at NO 13-K, SOUTH STREET, THADIKOMBU, DINDIGUL - 624 709, Thadicombu, Tamil Nadu.
How do I add Indian Overseas Bank Thadikombu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003166, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0003166 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Thadikombu reflect within 30 minutes.
Summary
The IFSC code IOBA0003166 belongs to Indian Overseas Bank's THADIKOMBU branch, located at NO 13-K, SOUTH STREET, THADIKOMBU, DINDIGUL - 624 709 in THADICOMBU, 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.
