This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, THRISSUR branch in THRISSUR. The 11-digit IFSC IOBA0000208 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 THRISSUR 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 THRISSUR branch, the IFSC IOBA0000208 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000208 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Thrissur |
| IFSC Code | IOBA0000208 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 28 BY 640 AND 644,KOLLANUR,PALACE RD,THRISSUR TRICHUR |
| City | Thrissur |
| District | Thrissur |
| State | Kerala |
| STD Code | 487 |
| Phone | 2331295 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Thrissur branch in Thrissur. 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, IOBA0000208.
About this branch
The branch is located at 28 BY 640 AND 644,KOLLANUR,PALACE RD,THRISSUR TRICHUR. It serves the Thrissur 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 IOBA0000208 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 THRISSUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000208 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 IOBA0000208 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 IOBA0000208
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 IOBA0000208 across all three.
How to use IFSC IOBA0000208 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's THRISSUR 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 IOBA0000208.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as THRISSUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000208
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 – THRISSUR, ensure your bank's portal accepts IFSC IOBA0000208 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – THRISSUR, use IMPS. With IFSC IOBA0000208 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Thrissur
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 IOBA0000208:
- 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 THRISSUR is still linked to IFSC IOBA0000208.
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.
UPI payments and IFSC IOBA0000208
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 – THRISSUR is still mapped to IFSC IOBA0000208. 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 IOBA0000208 and the beneficiary's account number to complete the transfer.
Account types you can open at the Thrissur branch
Once you have an account at Indian Overseas Bank – THRISSUR, the IFSC IOBA0000208 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.
Products and services
Customers walking into the Thrissur 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 IOBA0000208
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 IOBA0000208 and the account number together uniquely identify the Thrissur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0000208
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the THRISSUR 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 IOBA0000208 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.
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 – THRISSUR:
- The IFSC is exactly IOBA0000208 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 THRISSUR 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 Thrissur branch sits at 28 BY 640 AND 644,KOLLANUR,PALACE RD,THRISSUR TRICHUR. If you are travelling from outside Thrissur, search for the branch on a maps application using the bank name and locality, or call 487-2331295 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 IOBA0000208 and your account number.
Verifying IFSC IOBA0000208 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 IOBA0000208 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 487-2331295.
- 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 Thrissur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000208, however, work 24x7.
Branch address & contact
Indian Overseas BankThrissur Branch
28 BY 640 AND 644,KOLLANUR,PALACE RD,THRISSUR TRICHUR
Thrissur, Kerala
Phone: 487-2331295
IFSC: IOBA0000208
Frequently asked questions
What is the phone number of Indian Overseas Bank Thrissur branch?
You can reach the branch at 487-2331295 during regular banking hours.
Is IFSC IOBA0000208 the same for all accounts at Thrissur branch?
Yes. The IFSC IOBA0000208 is shared by every account held at Indian Overseas Bank's Thrissur branch. Only the account number changes from customer to customer.
Is IFSC IOBA0000208 valid for NEFT and RTGS?
Yes. IFSC IOBA0000208 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Thrissur branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0000208 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Thrissur reflect within 30 minutes.
How do I add Indian Overseas Bank Thrissur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000208, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0000208 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000208 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Thrissur branch?
The IFSC code of Indian Overseas Bank, Thrissur branch is IOBA0000208. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0000208 belongs to Indian Overseas Bank's THRISSUR branch, located at 28 BY 640 AND 644,KOLLANUR,PALACE RD,THRISSUR TRICHUR in THRISSUR, 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.
