IFSC Code of Indian Overseas Bank, Maharaj Ngr High Rd Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Indian Overseas Bank's MAHARAJ NGR HIGH RD branch in TIRUNELVELI, TAMIL NADU. The branch's IFSC code IOBA0001385 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.

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, IOBA0001385 is the IFSC of Indian Overseas Bank's MAHARAJ NGR HIGH RD branch. The format is fixed: IOBA = bank code, 0 = reserved, 001385 = branch identifier.

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 Maharaj Ngr High Rd branch — IFSC IOBA0001385 — extends the bank's services to customers in and around Tirunelveli, Tamil Nadu.

About the Maharaj Ngr High Rd branch

The Maharaj Ngr High Rd branch of Indian Overseas Bank is situated at PLOT 42, 19TH CROSS STREET, MAHARAJA NGR, TIRUNELVELI. 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 IOBA0001385 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 MAHARAJ NGR HIGH RD branch came to be assigned the code IOBA0001385.

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 IOBA0001385, money simply cannot be routed to the MAHARAJ NGR HIGH RD branch electronically.

How to transfer money using IFSC IOBA0001385

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 IOBA0001385 across all three.

How to use IFSC IOBA0001385 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's MAHARAJ NGR HIGH RD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0001385.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as MAHARAJ NGR HIGH RD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IOBA0001385

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 – MAHARAJ NGR HIGH RD, ensure your bank's portal accepts IFSC IOBA0001385 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank MAHARAJ NGR HIGH RD (IFSC IOBA0001385)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001385 in your mobile or internet banking app, and the money is credited to the MAHARAJ NGR HIGH RD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Maharaj Ngr High Rd

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 IOBA0001385:

• 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 MAHARAJ NGR HIGH RD is still linked to IFSC IOBA0001385.

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 MAHARAJ NGR HIGH RD branch, the IFSC IOBA0001385 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 Maharaj Ngr High Rd branch is mapped to IFSC IOBA0001385 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 IOBA0001385.

Banking services available

The Maharaj Ngr High Rd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2580801.

• 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 IOBA0001385

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 IOBA0001385 and the account number together uniquely identify the Maharaj Ngr High Rd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Maharaj Ngr High Rd 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 IOBA0001385 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 – MAHARAJ NGR HIGH RD:

• The IFSC is exactly IOBA0001385 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 MAHARAJ NGR HIGH RD 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.

How to reach the Maharaj Ngr High Rd branch

The branch is located at PLOT 42, 19TH CROSS STREET, MAHARAJA NGR, TIRUNELVELI, which puts it inside Tirunelveli, the broader Tirunelvali district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Maharaj Ngr High Rd branch” — the verified location pin for IFSC IOBA0001385 should appear at the top of the results.
2. Confirm the branch is open by calling 2580801 before stepping out, especially around public holidays.
3. 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 IOBA0001385 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001385 for Indian Overseas Bank – MAHARAJ NGR HIGH RD, 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 Maharaj Ngr High Rd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001385, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0001385 is the IFSC code of Indian Overseas Bank, MAHARAJ NGR HIGH RD branch, in TIRUNELVELI, 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.