If you are searching for the IFSC code of Indian Overseas Bank, THODUPUZHA branch in THODUPUZHA, KERALA, this page has every detail you need. The verified IFSC code for this branch is IOBA0001620. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THODUPUZHA branch, and detailed step-by-step guides for using the IFSC IOBA0001620 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – THODUPUZHA is IOBA0001620. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001620 map to this branch in THODUPUZHA, KERALA.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Thodupuzha branch in Thodupuzha. 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, IOBA0001620.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Thodupuzha |
| IFSC Code | IOBA0001620 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PULIMOOTTIL PIONEER, NEAR PRIVATE BUS STAND, PALA ROAD, THODUPUZHA685584 |
| City | Thodupuzha |
| District | Idukki |
| State | Kerala |
| Phone | 2205026 |
Thodupuzha branch overview
Located at PULIMOOTTIL PIONEER, NEAR PRIVATE BUS STAND, PALA ROAD, THODUPUZHA685584, the Thodupuzha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001620 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 THODUPUZHA branch came to be assigned the code IOBA0001620.
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 IOBA0001620, money simply cannot be routed to the THODUPUZHA branch electronically.
Products and account variants supported
Every account opened at the Thodupuzha branch is mapped to IFSC IOBA0001620 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 IOBA0001620.
Banking services available
The Thodupuzha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2205026.
- 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 IOBA0001620
How to transfer money using IFSC IOBA0001620
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 IOBA0001620 across all three.
NEFT to Indian Overseas Bank, THODUPUZHA using IFSC IOBA0001620
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 IOBA0001620, and confirm that the system picks up Indian Overseas Bank – THODUPUZHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0001620
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 – THODUPUZHA, ensure your bank's portal accepts IFSC IOBA0001620 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – THODUPUZHA, use IMPS. With IFSC IOBA0001620 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 IOBA0001620 for Indian Overseas Bank – THODUPUZHA, 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 – IOBA0001620 | Yes – IOBA0001620 | Yes – IOBA0001620 |
For most retail customers crediting the Thodupuzha 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.
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 THODUPUZHA branch, the IFSC IOBA0001620 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 IOBA0001620
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the THODUPUZHA 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 IOBA0001620 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 Thodupuzha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001620 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 IOBA0001620
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 – THODUPUZHA, 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:
IOBA0001620. - 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.
How to reach the Thodupuzha branch
The branch is located at PULIMOOTTIL PIONEER, NEAR PRIVATE BUS STAND, PALA ROAD, THODUPUZHA685584, which puts it inside Thodupuzha, the broader Idukki district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Thodupuzha branch” — the verified location pin for IFSC IOBA0001620 should appear at the top of the results.
- Confirm the branch is open by calling 2205026 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 IOBA0001620 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001620 for Indian Overseas Bank – THODUPUZHA, 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 Thodupuzha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001620, however, work 24x7.
Branch address & contact
Indian Overseas BankThodupuzha Branch
PULIMOOTTIL PIONEER, NEAR PRIVATE BUS STAND, PALA ROAD, THODUPUZHA685584
Thodupuzha, Kerala
Phone: 2205026
IFSC: IOBA0001620
Frequently asked questions
Does Indian Overseas Bank Thodupuzha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2205026 to confirm.
Is IFSC IOBA0001620 the same for all accounts at Thodupuzha branch?
Yes. The IFSC IOBA0001620 is shared by every account held at Indian Overseas Bank's Thodupuzha branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0001620 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Thodupuzha reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Thodupuzha branch?
The IFSC code of Indian Overseas Bank, Thodupuzha branch is IOBA0001620. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0001620 valid for NEFT and RTGS?
Yes. IFSC IOBA0001620 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Overseas Bank Thodupuzha branch?
You can reach the branch at 2205026 during regular banking hours.
Can I use IFSC IOBA0001620 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001620 to send funds instantly.
How do I add Indian Overseas Bank Thodupuzha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001620, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0001620 belongs to Indian Overseas Bank's THODUPUZHA branch, located at PULIMOOTTIL PIONEER, NEAR PRIVATE BUS STAND, PALA ROAD, THODUPUZHA685584 in THODUPUZHA, 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.
