Below are the complete branch details for Indian Overseas Bank, PUTHUR branch, located in TIRUCHIRAPPALLI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0002195. 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 IOBA0002195 for Indian Overseas Bank – PUTHUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – PUTHUR is IOBA0002195. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002195 map to this branch in TIRUCHIRAPPALLI, TAMIL NADU.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Puthur branch in Tiruchirappalli, Tamil Nadu is part of this network and uses the IFSC code IOBA0002195 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Puthur |
| IFSC Code | IOBA0002195 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PUTHUR MAIN ROAD,TIRUCHIRAPALLI,PIN 620017,DIST TIRUCHIRAPALLI |
| City | Tiruchirappalli |
| District | Tiruchirapalli |
| State | Tamil Nadu |
| Phone | 2760290 |
About the Puthur branch
The Puthur branch of Indian Overseas Bank is situated at PUTHUR MAIN ROAD,TIRUCHIRAPALLI,PIN 620017,DIST TIRUCHIRAPALLI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0002195 is used.
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 PUTHUR branch came to be assigned the code IOBA0002195.
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 IOBA0002195, money simply cannot be routed to the PUTHUR branch electronically.
Products and account variants supported
Every account opened at the Puthur branch is mapped to IFSC IOBA0002195 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 IOBA0002195.
Banking services available
The Puthur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2760290.
- 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 IOBA0002195
How to transfer money using IFSC IOBA0002195
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 IOBA0002195 across all three.
NEFT to Indian Overseas Bank, PUTHUR using IFSC IOBA0002195
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 IOBA0002195, and confirm that the system picks up Indian Overseas Bank – PUTHUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PUTHUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's PUTHUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002195 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – PUTHUR, use IMPS. With IFSC IOBA0002195 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 IOBA0002195 for Indian Overseas Bank – PUTHUR, 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 – IOBA0002195 | Yes – IOBA0002195 | Yes – IOBA0002195 |
For most retail customers crediting the Puthur 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 PUTHUR branch, the IFSC IOBA0002195 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.
Digital banking channels
Most day-to-day work that customers used to do at the Puthur 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 IOBA0002195 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 IOBA0002195 and the account number together uniquely identify the Puthur 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 – PUTHUR:
- The IFSC is exactly IOBA0002195 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 PUTHUR 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 Puthur branch sits at PUTHUR MAIN ROAD,TIRUCHIRAPALLI,PIN 620017,DIST TIRUCHIRAPALLI. If you are travelling from outside Tiruchirappalli, search for the branch on a maps application using the bank name and locality, or call 2760290 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 IOBA0002195 and your account number.
Verifying IFSC IOBA0002195 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 IOBA0002195 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2760290.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Puthur 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 IOBA0002195 continue to work without interruption.
Branch address & contact
Indian Overseas BankPuthur Branch
PUTHUR MAIN ROAD,TIRUCHIRAPALLI,PIN 620017,DIST TIRUCHIRAPALLI
Tiruchirappalli, Tamil Nadu
Phone: 2760290
IFSC: IOBA0002195
Frequently asked questions
Is IFSC IOBA0002195 valid for NEFT and RTGS?
Yes. IFSC IOBA0002195 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0002195 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Puthur reflect within 30 minutes.
Where is Indian Overseas Bank Puthur branch located?
Indian Overseas Bank's Puthur branch is located at PUTHUR MAIN ROAD,TIRUCHIRAPALLI,PIN 620017,DIST TIRUCHIRAPALLI, Tiruchirappalli, Tamil Nadu.
What is the phone number of Indian Overseas Bank Puthur branch?
You can reach the branch at 2760290 during regular banking hours.
How do I add Indian Overseas Bank Puthur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002195, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0002195 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002195 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Puthur branch?
The IFSC code of Indian Overseas Bank, Puthur branch is IOBA0002195. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: IOBA0002195 is the IFSC code of Indian Overseas Bank, PUTHUR branch, in TIRUCHIRAPPALLI, TAMIL NADU. 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.
