Below are the complete branch details for Indian Overseas Bank, PATTOM branch, located in THIRUVANANTHAPURAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000831. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0000831 for Indian Overseas Bank – PATTOM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 PATTOM branch, the IFSC IOBA0000831 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000831 identifies this particular branch.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Pattom branch — IFSC IOBA0000831 — extends the bank's services to customers in and around Thiruvananthapuram, Kerala.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Pattom |
| IFSC Code | IOBA0000831 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 7, VRINDAVAN HOUSING COLONY, MEDICAL COLLEGE ROAD, PATTOM, THIRUVANANTHAPURAM - 695004 |
| City | Thiruvananthapuram |
| District | Trivandrum |
| State | Kerala |
| Phone | 2447016 |
Pattom branch overview
Located at PLOT NO 7, VRINDAVAN HOUSING COLONY, MEDICAL COLLEGE ROAD, PATTOM, THIRUVANANTHAPURAM - 695004, the Pattom branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000831 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 PATTOM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000831 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 IOBA0000831 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 Pattom branch is mapped to IFSC IOBA0000831 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 IOBA0000831.
Banking services available
The Pattom branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2447016.
- 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 IOBA0000831
How to transfer money using IFSC IOBA0000831
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 IOBA0000831 across all three.
How to use IFSC IOBA0000831 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's PATTOM 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 IOBA0000831.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as PATTOM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000831
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – PATTOM, ensure your bank's portal accepts IFSC IOBA0000831 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank PATTOM (IFSC IOBA0000831)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000831 in your mobile or internet banking app, and the money is credited to the PATTOM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Pattom
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 IOBA0000831:
- 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 PATTOM is still linked to IFSC IOBA0000831.
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 PATTOM branch, the IFSC IOBA0000831 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.
Online banking and IFSC IOBA0000831
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the PATTOM 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 IOBA0000831 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 Pattom branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000831 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – PATTOM:
- The IFSC is exactly IOBA0000831 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 PATTOM 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 Pattom branch sits at PLOT NO 7, VRINDAVAN HOUSING COLONY, MEDICAL COLLEGE ROAD, PATTOM, THIRUVANANTHAPURAM - 695004. If you are travelling from outside Thiruvananthapuram, search for the branch on a maps application using the bank name and locality, or call 2447016 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 IOBA0000831 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000831 for Indian Overseas Bank – PATTOM, 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 Pattom branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000831, however, work 24x7.
Branch address & contact
Indian Overseas BankPattom Branch
PLOT NO 7, VRINDAVAN HOUSING COLONY, MEDICAL COLLEGE ROAD, PATTOM, THIRUVANANTHAPURAM - 695004
Thiruvananthapuram, Kerala
Phone: 2447016
IFSC: IOBA0000831
Frequently asked questions
How do I add Indian Overseas Bank Pattom as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000831, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Pattom branch?
You can reach the branch at 2447016 during regular banking hours.
Where is Indian Overseas Bank Pattom branch located?
Indian Overseas Bank's Pattom branch is located at PLOT NO 7, VRINDAVAN HOUSING COLONY, MEDICAL COLLEGE ROAD, PATTOM, THIRUVANANTHAPURAM - 695004, Thiruvananthapuram, Kerala.
What is the IFSC code of Indian Overseas Bank Pattom branch?
The IFSC code of Indian Overseas Bank, Pattom branch is IOBA0000831. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0000831 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Pattom reflect within 30 minutes.
Is IFSC IOBA0000831 the same for all accounts at Pattom branch?
Yes. The IFSC IOBA0000831 is shared by every account held at Indian Overseas Bank's Pattom branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0000831 belongs to Indian Overseas Bank's PATTOM branch, located at PLOT NO 7, VRINDAVAN HOUSING COLONY, MEDICAL COLLEGE ROAD, PATTOM,… in THIRUVANANTHAPURAM, KERALA. 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.
