This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, THANIPADI branch in THANIPADI. The 11-digit IFSC IOBA0000679 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 THANIPADI 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.
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 – THANIPADI is IOBA0000679. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000679 map to this branch in THANIPADI, TAMIL NADU.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Thanipadi branch in Thanipadi. 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, IOBA0000679.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Thanipadi |
| IFSC Code | IOBA0000679 |
| MICR Code | Refer to cheque leaf |
| Branch Address | V M STREET THANIPADI,CHENGAM TALUK THANIPADI PIN 606708 |
| City | Thanipadi |
| District | Tiruvannamalai |
| State | Tamil Nadu |
| Phone | 247244 |
Thanipadi branch overview
Located at V M STREET THANIPADI,CHENGAM TALUK THANIPADI PIN 606708, the Thanipadi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000679 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 THANIPADI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000679 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 IOBA0000679 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Thanipadi branch
Once you have an account at Indian Overseas Bank – THANIPADI, the IFSC IOBA0000679 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 Thanipadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 247244.
- 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 IOBA0000679
How to transfer money using IFSC IOBA0000679
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 IOBA0000679 across all three.
NEFT to Indian Overseas Bank, THANIPADI using IFSC IOBA0000679
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 IOBA0000679, and confirm that the system picks up Indian Overseas Bank – THANIPADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to THANIPADI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's THANIPADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000679 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank THANIPADI (IFSC IOBA0000679)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000679 in your mobile or internet banking app, and the money is credited to the THANIPADI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000679 for Indian Overseas Bank – THANIPADI, 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 – IOBA0000679 | Yes – IOBA0000679 | Yes – IOBA0000679 |
For most retail customers crediting the Thanipadi 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 IOBA0000679
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 – THANIPADI is still mapped to IFSC IOBA0000679. 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 IOBA0000679 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Thanipadi 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 IOBA0000679 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 IOBA0000679 and the account number together uniquely identify the Thanipadi 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 – THANIPADI:
- The IFSC is exactly IOBA0000679 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 THANIPADI 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 Thanipadi branch sits at V M STREET THANIPADI,CHENGAM TALUK THANIPADI PIN 606708. If you are travelling from outside Thanipadi, search for the branch on a maps application using the bank name and locality, or call 247244 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 IOBA0000679 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000679 for Indian Overseas Bank – THANIPADI, 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 Thanipadi 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 IOBA0000679 continue to work without interruption.
Branch address & contact
Indian Overseas BankThanipadi Branch
V M STREET THANIPADI,CHENGAM TALUK THANIPADI PIN 606708
Thanipadi, Tamil Nadu
Phone: 247244
IFSC: IOBA0000679
Frequently asked questions
Where is Indian Overseas Bank Thanipadi branch located?
Indian Overseas Bank's Thanipadi branch is located at V M STREET THANIPADI,CHENGAM TALUK THANIPADI PIN 606708, Thanipadi, Tamil Nadu.
Is IFSC IOBA0000679 the same for all accounts at Thanipadi branch?
Yes. The IFSC IOBA0000679 is shared by every account held at Indian Overseas Bank's Thanipadi branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Thanipadi branch?
The IFSC code of Indian Overseas Bank, Thanipadi branch is IOBA0000679. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0000679 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Thanipadi reflect within 30 minutes.
Is IFSC IOBA0000679 valid for NEFT and RTGS?
Yes. IFSC IOBA0000679 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Thanipadi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000679, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Thanipadi branch?
You can reach the branch at 247244 during regular banking hours.
Summary
The IFSC code IOBA0000679 belongs to Indian Overseas Bank's THANIPADI branch, located at V M STREET THANIPADI,CHENGAM TALUK THANIPADI PIN 606708 in THANIPADI, 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.
