Below are the complete branch details for Indian Overseas Bank, R O TRIVANDRUM branch, located in THIRUVANANTHAPURAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000809. 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 IOBA0000809 for Indian Overseas Bank – R O TRIVANDRUM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IOBA0000809 is the IFSC of Indian Overseas Bank's R O TRIVANDRUM branch. The format is fixed: IOBA = bank code, 0 = reserved, 000809 = branch identifier.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its R O Trivandrum branch in Thiruvananthapuram, Kerala is part of this network and uses the IFSC code IOBA0000809 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | R O Trivandrum |
| IFSC Code | IOBA0000809 |
| MICR Code | Refer to cheque leaf |
| Branch Address | POST BOX NO 90 DOOR NO NIL,IOB BUILDINGS M G ROAD,THIRUVANANTHAPURAM PIN CODE 695001 |
| City | Thiruvananthapuram |
| District | Thiruvananthapuram |
| State | Kerala |
| STD Code | 44 |
| Phone | 28584896 |
R O Trivandrum branch overview
Located at POST BOX NO 90 DOOR NO NIL,IOB BUILDINGS M G ROAD,THIRUVANANTHAPURAM PIN CODE 695001, the R O Trivandrum branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000809 is required for all interbank electronic transfers routed through this branch.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Overseas Bank's R O TRIVANDRUM branch came to be assigned the code IOBA0000809.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IOBA0000809, money simply cannot be routed to the R O TRIVANDRUM branch electronically.
Products and account variants supported
Every account opened at the R O Trivandrum branch is mapped to IFSC IOBA0000809 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 IOBA0000809.
Products and services
Customers walking into the R O Trivandrum 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 IOBA0000809
How to transfer money using IFSC IOBA0000809
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 IOBA0000809 across all three.
NEFT to Indian Overseas Bank, R O TRIVANDRUM using IFSC IOBA0000809
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 IOBA0000809, and confirm that the system picks up Indian Overseas Bank – R O TRIVANDRUM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0000809
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 – R O TRIVANDRUM, ensure your bank's portal accepts IFSC IOBA0000809 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank R O TRIVANDRUM (IFSC IOBA0000809)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000809 in your mobile or internet banking app, and the money is credited to the R O TRIVANDRUM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to R O Trivandrum
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 IOBA0000809:
- 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 R O TRIVANDRUM is still linked to IFSC IOBA0000809.
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 R O TRIVANDRUM branch, the IFSC IOBA0000809 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 IOBA0000809
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the R O TRIVANDRUM 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 IOBA0000809 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 R O Trivandrum branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000809 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 – R O TRIVANDRUM:
- The IFSC is exactly IOBA0000809 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 R O TRIVANDRUM 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 R O Trivandrum branch
The branch is located at POST BOX NO 90 DOOR NO NIL,IOB BUILDINGS M G ROAD,THIRUVANANTHAPURAM PIN CODE 695001, which puts it inside Thiruvananthapuram, the broader Thiruvananthapuram district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank R O Trivandrum branch” — the verified location pin for IFSC IOBA0000809 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0000809 and your account number.
Verifying IFSC IOBA0000809 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 IOBA0000809 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.
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 R O Trivandrum branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000809, however, work 24x7.
Branch address & contact
Indian Overseas BankR O Trivandrum Branch
POST BOX NO 90 DOOR NO NIL,IOB BUILDINGS M G ROAD,THIRUVANANTHAPURAM PIN CODE 695001
Thiruvananthapuram, Kerala
Phone: 44-28584896
IFSC: IOBA0000809
Frequently asked questions
Where is Indian Overseas Bank R O Trivandrum branch located?
Indian Overseas Bank's R O Trivandrum branch is located at POST BOX NO 90 DOOR NO NIL,IOB BUILDINGS M G ROAD,THIRUVANANTHAPURAM PIN CODE 695001, Thiruvananthapuram, Kerala.
Does Indian Overseas Bank R O Trivandrum branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the R O Trivandrum branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0000809 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – R O Trivandrum reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank R O Trivandrum branch?
The IFSC code of Indian Overseas Bank, R O Trivandrum branch is IOBA0000809. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0000809 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000809 to send funds instantly.
Final notes
To recap: IOBA0000809 is the IFSC code of Indian Overseas Bank, R O TRIVANDRUM branch, in THIRUVANANTHAPURAM, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
