If you are searching for the IFSC code of Indian Overseas Bank, VIRALIMALAI branch in VIRALIMALAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is IOBA0001019. 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 VIRALIMALAI branch, and detailed step-by-step guides for using the IFSC IOBA0001019 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.
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 VIRALIMALAI branch, the IFSC IOBA0001019 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001019 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Viralimalai branch in Viralimalai. 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, IOBA0001019.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Viralimalai |
| IFSC Code | IOBA0001019 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1 BY 106D,NORTH CAR STREET,VIRALIMALAI PIN 621316 |
| City | Viralimalai |
| District | Pudukkottai |
| State | Tamil Nadu |
| Phone | 220223 |
About this branch
The branch is located at 1 BY 106D,NORTH CAR STREET,VIRALIMALAI PIN 621316. It serves the Viralimalai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0001019 is used to identify this branch on the RBI payments network.
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 VIRALIMALAI branch came to be assigned the code IOBA0001019.
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 IOBA0001019, money simply cannot be routed to the VIRALIMALAI branch electronically.
Account types you can open at the Viralimalai branch
Once you have an account at Indian Overseas Bank – VIRALIMALAI, the IFSC IOBA0001019 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.
Banking services available
The Viralimalai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 220223.
- 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 IOBA0001019
How to transfer money using IFSC IOBA0001019
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 IOBA0001019 across all three.
How to use IFSC IOBA0001019 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's VIRALIMALAI 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 IOBA0001019.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as VIRALIMALAI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0001019
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 – VIRALIMALAI, ensure your bank's portal accepts IFSC IOBA0001019 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – VIRALIMALAI, use IMPS. With IFSC IOBA0001019 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 IOBA0001019 for Indian Overseas Bank – VIRALIMALAI, 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 – IOBA0001019 | Yes – IOBA0001019 | Yes – IOBA0001019 |
For most retail customers crediting the Viralimalai 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 IOBA0001019
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 – VIRALIMALAI is still mapped to IFSC IOBA0001019. 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 IOBA0001019 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Viralimalai 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 IOBA0001019 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 IOBA0001019 and the account number together uniquely identify the Viralimalai 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 – VIRALIMALAI:
- The IFSC is exactly IOBA0001019 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 VIRALIMALAI 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 Viralimalai branch
The branch is located at 1 BY 106D,NORTH CAR STREET,VIRALIMALAI PIN 621316, which puts it inside Viralimalai, the broader Pudukkottai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Viralimalai branch” — the verified location pin for IFSC IOBA0001019 should appear at the top of the results.
- Confirm the branch is open by calling 220223 before stepping out, especially around public holidays.
- 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 IOBA0001019 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001019 for Indian Overseas Bank – VIRALIMALAI, 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 Viralimalai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001019, however, work 24x7.
Branch address & contact
Indian Overseas BankViralimalai Branch
1 BY 106D,NORTH CAR STREET,VIRALIMALAI PIN 621316
Viralimalai, Tamil Nadu
Phone: 220223
IFSC: IOBA0001019
Frequently asked questions
Does Indian Overseas Bank Viralimalai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 220223 to confirm.
How do I add Indian Overseas Bank Viralimalai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001019, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0001019 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001019 to send funds instantly.
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 Viralimalai branch but serve different purposes.
What is the phone number of Indian Overseas Bank Viralimalai branch?
You can reach the branch at 220223 during regular banking hours.
Where is Indian Overseas Bank Viralimalai branch located?
Indian Overseas Bank's Viralimalai branch is located at 1 BY 106D,NORTH CAR STREET,VIRALIMALAI PIN 621316, Viralimalai, Tamil Nadu.
How quickly will an NEFT transfer using IOBA0001019 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Viralimalai reflect within 30 minutes.
Summary
The IFSC code IOBA0001019 belongs to Indian Overseas Bank's VIRALIMALAI branch, located at 1 BY 106D,NORTH CAR STREET,VIRALIMALAI PIN 621316 in VIRALIMALAI, 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.
