If you are searching for the IFSC code of Indian Overseas Bank, ARIMALAM branch in TIRUMAYAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0000249. 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 ARIMALAM branch, and detailed step-by-step guides for using the IFSC IOBA0000249 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.
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, IOBA0000249 is the IFSC of Indian Overseas Bank's ARIMALAM branch. The format is fixed: IOBA = bank code, 0 = reserved, 000249 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Arimalam |
| IFSC Code | IOBA0000249 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 57,THIRUMAYAM MAIN ROAD,ARIMALAM PIN 622201 |
| City | Tirumayam |
| District | Pudukkottai |
| State | Tamil Nadu |
| Phone | 271226 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Arimalam branch in Tirumayam. 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, IOBA0000249.
About the Arimalam branch
The Arimalam branch of Indian Overseas Bank is situated at 57,THIRUMAYAM MAIN ROAD,ARIMALAM PIN 622201. 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 IOBA0000249 is used.
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 ARIMALAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000249 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 IOBA0000249 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 IOBA0000249
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 IOBA0000249 across all three.
How to use IFSC IOBA0000249 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's ARIMALAM 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 IOBA0000249.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as ARIMALAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to ARIMALAM
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's ARIMALAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000249 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 – ARIMALAM, use IMPS. With IFSC IOBA0000249 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 Arimalam
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 IOBA0000249:
- 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 ARIMALAM is still linked to IFSC IOBA0000249.
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 ARIMALAM branch, the IFSC IOBA0000249 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.
Products and account variants supported
Every account opened at the Arimalam branch is mapped to IFSC IOBA0000249 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 IOBA0000249.
Products and services
Customers walking into the Arimalam 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 IOBA0000249
MICR & cheque-truncation details
Cheques drawn on the Arimalam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000249 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Arimalam 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 IOBA0000249 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.
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 – ARIMALAM:
- The IFSC is exactly IOBA0000249 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 ARIMALAM 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 Arimalam branch sits at 57,THIRUMAYAM MAIN ROAD,ARIMALAM PIN 622201. If you are travelling from outside Tirumayam, search for the branch on a maps application using the bank name and locality, or call 271226 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 IOBA0000249 and your account number.
Verifying IFSC IOBA0000249 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 IOBA0000249 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 271226.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Arimalam 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 IOBA0000249 continue to work without interruption.
Branch address & contact
Indian Overseas BankArimalam Branch
57,THIRUMAYAM MAIN ROAD,ARIMALAM PIN 622201
Tirumayam, Tamil Nadu
Phone: 271226
IFSC: IOBA0000249
Frequently asked questions
What is the phone number of Indian Overseas Bank Arimalam branch?
You can reach the branch at 271226 during regular banking hours.
How do I add Indian Overseas Bank Arimalam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000249, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Arimalam branch?
The IFSC code of Indian Overseas Bank, Arimalam branch is IOBA0000249. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Overseas Bank Arimalam branch located?
Indian Overseas Bank's Arimalam branch is located at 57,THIRUMAYAM MAIN ROAD,ARIMALAM PIN 622201, Tirumayam, Tamil Nadu.
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 Arimalam branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0000249 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Arimalam reflect within 30 minutes.
Does Indian Overseas Bank Arimalam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 271226 to confirm.
Can I use IFSC IOBA0000249 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000249 to send funds instantly.
Summary
The IFSC code IOBA0000249 belongs to Indian Overseas Bank's ARIMALAM branch, located at 57,THIRUMAYAM MAIN ROAD,ARIMALAM PIN 622201 in TIRUMAYAM, TAMIL NADU. 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.
