IFSC Code of Indian Overseas Bank, Srungavarapukota Branch, Andhra Pradesh

If you are searching for the IFSC code of Indian Overseas Bank, SRUNGAVARAPUKOTA branch in VIZIANAGARAM, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0003941. 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 SRUNGAVARAPUKOTA branch, and detailed step-by-step guides for using the IFSC IOBA0003941 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, IOBA0003941 is the IFSC of Indian Overseas Bank's SRUNGAVARAPUKOTA branch. The format is fixed: IOBA = bank code, 0 = reserved, 003941 = branch identifier.

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Srungavarapukota branch in Vizianagaram, Andhra Pradesh is part of this network and uses the IFSC code IOBA0003941 for all electronic settlement.

Branch details at a glance

Srungavarapukota branch overview

Located at D NO 14-62, MAIN ROAD, OPP TO COLLEGE ROAD, SRUNGAVARAPUKOTA, VIZIANAGARAM DISTRICT - 535145, the Srungavarapukota branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003941 is required for all interbank electronic transfers routed through this branch.

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 SRUNGAVARAPUKOTA branch came to be assigned the code IOBA0003941.

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 IOBA0003941, money simply cannot be routed to the SRUNGAVARAPUKOTA branch electronically.

Products and account variants supported

Every account opened at the Srungavarapukota branch is mapped to IFSC IOBA0003941 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 IOBA0003941.

Products and services

Customers walking into the Srungavarapukota 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 IOBA0003941

How to transfer money using IFSC IOBA0003941

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 IOBA0003941 across all three.

NEFT to Indian Overseas Bank, SRUNGAVARAPUKOTA using IFSC IOBA0003941

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 IOBA0003941, and confirm that the system picks up Indian Overseas Bank – SRUNGAVARAPUKOTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SRUNGAVARAPUKOTA

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's SRUNGAVARAPUKOTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003941 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank SRUNGAVARAPUKOTA (IFSC IOBA0003941)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003941 in your mobile or internet banking app, and the money is credited to the SRUNGAVARAPUKOTA branch account within seconds.

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

All three modes accept the IFSC IOBA0003941 for Indian Overseas Bank – SRUNGAVARAPUKOTA, 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 Srungavarapukota 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.

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 SRUNGAVARAPUKOTA branch, the IFSC IOBA0003941 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.

Digital banking channels

Most day-to-day work that customers used to do at the Srungavarapukota 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 IOBA0003941 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 & cheque-truncation details

Cheques drawn on the Srungavarapukota branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003941 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC IOBA0003941

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 – SRUNGAVARAPUKOTA, 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: IOBA0003941.
• 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.

Reaching the branch

The Srungavarapukota branch sits at D NO 14-62, MAIN ROAD, OPP TO COLLEGE ROAD, SRUNGAVARAPUKOTA, VIZIANAGARAM DISTRICT - 535145. If you are travelling from outside Vizianagaram, search for the branch on a maps application using the bank name and locality, or call 892-8925953941 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 IOBA0003941 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003941 for Indian Overseas Bank – SRUNGAVARAPUKOTA, 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.

Working hours

Branch counters at Srungavarapukota 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 IOBA0003941 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0003941 belongs to Indian Overseas Bank's SRUNGAVARAPUKOTA branch, located at D NO 14-62, MAIN ROAD, OPP TO COLLEGE ROAD, SRUNGAVARAPUKOTA, VIZIANAGARAM… in VIZIANAGARAM, 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.