IFSC Code of Indian Overseas Bank, Kirlampudi Layout Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Indian Overseas Bank's KIRLAMPUDI LAYOUT branch in VISAKHAPATNAM, ANDHRA PRADESH. The branch's IFSC code IOBA0002385 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 KIRLAMPUDI LAYOUT branch, the IFSC IOBA0002385 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002385 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 Kirlampudi Layout branch — IFSC IOBA0002385 — extends the bank's services to customers in and around Visakhapatnam, Andhra Pradesh.

Kirlampudi Layout branch overview

Located at KIRLAMPUDI LAYOUT,DOOR 7 1 75 BY 1,GROUND FLOOR,CHINNA WALTAIR,VISAKHAPATNAM,530003, the Kirlampudi Layout branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0002385 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 KIRLAMPUDI LAYOUT of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002385 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 IOBA0002385 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 IOBA0002385

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 IOBA0002385 across all three.

NEFT to Indian Overseas Bank, KIRLAMPUDI LAYOUT using IFSC IOBA0002385

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 IOBA0002385, and confirm that the system picks up Indian Overseas Bank – KIRLAMPUDI LAYOUT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IOBA0002385

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 – KIRLAMPUDI LAYOUT, ensure your bank's portal accepts IFSC IOBA0002385 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank KIRLAMPUDI LAYOUT (IFSC IOBA0002385)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002385 in your mobile or internet banking app, and the money is credited to the KIRLAMPUDI LAYOUT branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0002385 for Indian Overseas Bank – KIRLAMPUDI LAYOUT, 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 Kirlampudi Layout 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 IOBA0002385

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 – KIRLAMPUDI LAYOUT is still mapped to IFSC IOBA0002385. 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 IOBA0002385 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kirlampudi Layout branch is mapped to IFSC IOBA0002385 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 IOBA0002385.

Banking services available

The Kirlampudi Layout branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2793544.

• 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 IOBA0002385

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 IOBA0002385 and the account number together uniquely identify the Kirlampudi Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IOBA0002385

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KIRLAMPUDI LAYOUT 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 IOBA0002385 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 – KIRLAMPUDI LAYOUT:

• The IFSC is exactly IOBA0002385 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 KIRLAMPUDI LAYOUT 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 Kirlampudi Layout branch

The branch is located at KIRLAMPUDI LAYOUT,DOOR 7 1 75 BY 1,GROUND FLOOR,CHINNA WALTAIR,VISAKHAPATNAM,530003, which puts it inside Visakhapatnam, the broader Vishakhapatnam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Kirlampudi Layout branch” — the verified location pin for IFSC IOBA0002385 should appear at the top of the results.
2. Confirm the branch is open by calling 2793544 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 IOBA0002385 and your account number.

Verifying IFSC IOBA0002385 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 IOBA0002385 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2793544.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kirlampudi Layout 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 IOBA0002385 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0002385 belongs to Indian Overseas Bank's KIRLAMPUDI LAYOUT branch, located at KIRLAMPUDI LAYOUT,DOOR 7 1 75 BY 1,GROUND FLOOR,CHINNA… in VISAKHAPATNAM, 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.