IFSC Code of Indian Overseas Bank, Tirumala Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Indian Overseas Bank's TIRUMALA branch in TIRUMALAI, ANDHRA PRADESH. The branch's IFSC code IOBA0001689 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 TIRUMALA branch, the IFSC IOBA0001689 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001689 identifies this particular branch.

Branch details at a glance

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Tirumala branch — IFSC IOBA0001689 — extends the bank's services to customers in and around Tirumalai, Andhra Pradesh.

Tirumala branch overview

Located at II FLOOR SHOPPING COMPLEX, TIRUMALA HILLS, VIA TIRUPATHI, TIRUPATHI PIN 517501, the Tirumala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001689 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 TIRUMALA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001689 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 IOBA0001689 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 IOBA0001689

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 IOBA0001689 across all three.

NEFT to Indian Overseas Bank, TIRUMALA using IFSC IOBA0001689

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 IOBA0001689, and confirm that the system picks up Indian Overseas Bank – TIRUMALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IOBA0001689

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 – TIRUMALA, ensure your bank's portal accepts IFSC IOBA0001689 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Overseas Bank – TIRUMALA, use IMPS. With IFSC IOBA0001689 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 IOBA0001689 for Indian Overseas Bank – TIRUMALA, 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.

For most retail customers crediting the Tirumala 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 TIRUMALA branch, the IFSC IOBA0001689 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.

Account types you can open at the Tirumala branch

Once you have an account at Indian Overseas Bank – TIRUMALA, the IFSC IOBA0001689 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 Tirumala 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 IOBA0001689

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 IOBA0001689 and the account number together uniquely identify the Tirumala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IOBA0001689

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the TIRUMALA 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 IOBA0001689 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 – TIRUMALA:

• The IFSC is exactly IOBA0001689 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 TIRUMALA 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 Tirumala branch sits at II FLOOR SHOPPING COMPLEX, TIRUMALA HILLS, VIA TIRUPATHI, TIRUPATHI PIN 517501. If you are travelling from outside Tirumalai, search for the branch on a maps application using the bank name and locality, or call 28112771 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 IOBA0001689 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001689 for Indian Overseas Bank – TIRUMALA, 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.

Working hours

Branch counters at Tirumala 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 IOBA0001689 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0001689 belongs to Indian Overseas Bank's TIRUMALA branch, located at II FLOOR SHOPPING COMPLEX, TIRUMALA HILLS, VIA TIRUPATHI, TIRUPATHI PIN 517501 in TIRUMALAI, ANDHRA PRADESH. 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.