Below are the complete branch details for Indian Overseas Bank, KALIYANOOR branch, located in VELLORE, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001000. 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 IOBA0001000 for Indian Overseas Bank – KALIYANOOR — 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 – KALIYANOOR is IOBA0001000. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001000 map to this branch in VELLORE, TAMIL NADU.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Kaliyanoor branch in Vellore. 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, IOBA0001000.
Kaliyanoor branch overview
Located at S NO95 BY 1B2 KUMARAPALAYAM ROAD,KALIYANOOR,PIN 638008, the Kaliyanoor branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001000 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kaliyanoor |
| IFSC Code | IOBA0001000 |
| MICR Code | Refer to cheque leaf |
| Branch Address | S NO95 BY 1B2 KUMARAPALAYAM ROAD,KALIYANOOR,PIN 638008 |
| City | Vellore |
| District | Vellore |
| State | Tamil Nadu |
| Phone | 240183 |
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 KALIYANOOR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001000 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 IOBA0001000 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Kaliyanoor branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001000 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0001000
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 IOBA0001000 across all three.
How to use IFSC IOBA0001000 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KALIYANOOR 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 IOBA0001000.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KALIYANOOR.
- 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 KALIYANOOR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KALIYANOOR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001000 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 – KALIYANOOR, use IMPS. With IFSC IOBA0001000 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 IOBA0001000 for Indian Overseas Bank – KALIYANOOR, 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 – IOBA0001000 | Yes – IOBA0001000 | Yes – IOBA0001000 |
For most retail customers crediting the Kaliyanoor 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.
UPI payments and IFSC IOBA0001000
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 – KALIYANOOR is still mapped to IFSC IOBA0001000. 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 IOBA0001000 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kaliyanoor branch is mapped to IFSC IOBA0001000 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 IOBA0001000.
Banking services available
The Kaliyanoor branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 240183.
- 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 IOBA0001000
Digital banking channels
Most day-to-day work that customers used to do at the Kaliyanoor 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 IOBA0001000 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.
Reaching the branch
The Kaliyanoor branch sits at S NO95 BY 1B2 KUMARAPALAYAM ROAD,KALIYANOOR,PIN 638008. If you are travelling from outside Vellore, search for the branch on a maps application using the bank name and locality, or call 240183 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 IOBA0001000 and your account number.
Common mistakes to avoid when using IFSC IOBA0001000
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Overseas Bank – KALIYANOOR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IOBA0001000. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Working hours
Branch counters at Kaliyanoor 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 IOBA0001000 continue to work without interruption.
Verifying IFSC IOBA0001000 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 IOBA0001000 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 240183.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankKaliyanoor Branch
S NO95 BY 1B2 KUMARAPALAYAM ROAD,KALIYANOOR,PIN 638008
Vellore, Tamil Nadu
Phone: 240183
IFSC: IOBA0001000
Frequently asked questions
What is the phone number of Indian Overseas Bank Kaliyanoor branch?
You can reach the branch at 240183 during regular banking hours.
How quickly will an NEFT transfer using IOBA0001000 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kaliyanoor reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Kaliyanoor branch?
The IFSC code of Indian Overseas Bank, Kaliyanoor branch is IOBA0001000. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Kaliyanoor branch but serve different purposes.
Is IFSC IOBA0001000 valid for NEFT and RTGS?
Yes. IFSC IOBA0001000 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Kaliyanoor branch located?
Indian Overseas Bank's Kaliyanoor branch is located at S NO95 BY 1B2 KUMARAPALAYAM ROAD,KALIYANOOR,PIN 638008, Vellore, Tamil Nadu.
Can I use IFSC IOBA0001000 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001000 to send funds instantly.
How do I add Indian Overseas Bank Kaliyanoor as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001000, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IOBA0001000 is the IFSC code of Indian Overseas Bank, KALIYANOOR branch, in VELLORE, 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.
