Indian Overseas Bank IFSC code & MICR code
State wise list of Indian Overseas Bank IFSC code & MICR code.
The system of IFSC (Indian Financial System Code) is a brainchild of RBI's to standardize and keep track of all domestic fund transactions. IFSC codes have been allotted to all the branches of banks in India to easily identify transactions done through a particular branch.
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Indian Overseas Bank (IOB) IFSC Code
IFSC codes are alphanumeric, 11-digit codes, which are unique to a single branch and do not ever repeat. Money transfers can be done to a particular branch by compulsorily entering IFSC codes or MICR codes. These codes also helps users ensure that the transferred funds go to the right person, without any hassles. The Reserve Bank of India has assigned separate codes to all banks in India and mandates their usage for all online transactions. An IFSC code can be explained as carrying three different segments. The first four alphabets represent the name of the bank to which the code has been assigned. Then comes a zero which is generally a control character, left for future use. The next six digits of the code signify the specific branch of Indian Overseas Bank and this is always unique. The last six digits change with every branch available.
Given below is an example of an Indian Overseas Bank IFSC code
"IOBA0000136" - IFSC Code for an Indian Overseas Bank branch in Shantinagar, Bangalore: The above can be used for online funds transactions via NEFT, RTGS amd IMPS to Indian Overseas Bank account.
- The first four alphabets, IOBA, denotes the name of the bank, i.e., Indian Overseas Bank 0 - For future use
- 000136 - Indicates a particular branch of Indian Overseas Bank (Shantinagar branch).
How to Search for IOB IFSC and MICR Codes?
IFSC codes can be easily procured if the bank's full name and the branch is known. Users can conveniently find MICR codes and IFSC codes printed on cheque books/leaves issued by Indian Overseas Bank. The Reserve Bank of India site also offers the complete list of IFSC codes required for customers. The other sources available for getting IFSC codes are either third party financial websites or from the bank's website.
BankBazaar gives a comprehensive table carrying IFSC codes for Indian Overseas Bank's branches within India. Any user visiting the BankBazaar website has to select the Bank IFSC code link present at the bottom of the main page. Customers clicking on this link will be taken to a second page carrying four dropdowns. Customers have to enter certain details like state, bank, branch and district in order to get IFSC codes or MICR codes for Indian Overseas Bank. The generated table also contains the phone number, address of the branch, name, branch code etc.
How to Transfer Money using Indian Overseas Bank (IOB) NEFT & RTGS?
IOB clients can conveniently make online fund transfers by using NEFT or RTGS services, available on the bank's website or by visiting the nearest bank branch.
National Electronic Funds Transfer (NEFT):
National Electronic Funds Transfers (NEFT) are done in batches and have a specific timing within which the funds are settled by IOB. This process works based on Deferred Net Settlements and is done on an hourly schedule. The money is credited to the beneficiary on the same day, if the batch clearance is within the stipulated time frame. Otherwise the money is credited on the next working day.
Real Time Gross Settlement System (RTGS):
Real Time Gross Settlement System (RTGS) transfers are done on an individual transaction basis, i.e., the clearance of funds are schedules one by one. As per the standing instructions set, IOB settles RTGS transactions within the current working day. RTGS is one of the fastest modes of fund transfers available and can be performed on completely secure platforms.
Information required for Funds Transfer using any payment mode:
While making a NEFT or RTGS transaction with Indian Overseas Bank, customers need to provide the below information:
- Remittance Amount
- IOB Bank customer's account number
- Beneficiary's bank name
- Beneficiary's name
- Beneficiary's Account number
- Sender to receiver information
- IFSC code of the beneficiary's bank branch.
About Indian Overseas Bank (IOB):
Indian Overseas Bank (IOB) is one of the foremost public sector bank, headquartered in the Tamil capital of Chennai. The name IOB swags a nation-wide network of more than 3700 regional branches plus 3300 ATM counters. Out of this Tamil Nadu houses 1150 branches alone. They also have three extra counters, and eight overseas branches in South East Asian countries such as China, Thailand, Singapore, Hong Kong, South Korea and Sri Lanka excluding representative offices in Guangzhou (China), Vietnam, and United Arab Emirates. IOB also has shares in a joint-venture bank in Malaysia. With a slew of financial products, amenities and services on its platter, IOB leaves no stone unturned in ensuring maximum customer satisfaction, which is made possible thanks to its ISO-stamped internal Information Technology department.
Other Products from Indian Overseas Bank
- Indian Overseas Bank Car Loan Eligibility Calculator
- Indian Overseas Bank Car Loan Interest Rates
- Indian Overseas Bank Home Loan
- Indian Overseas Bank Personal Loan
- Indian Overseas Bank Personal Loan Eligibility
- Indian Overseas Bank Car Loan
- Indian Overseas Bank Credit Card
- Indian Overseas Bank Education Loan
- Indian Overseas Bank Recurring Deposit Rates
- Indian Overseas Bank Fixed Deposit Rates
Top Branches of Indian Overseas Bank
- IOB Ambattur Industrial Estate Branch
- IOB Bhavani Erode Branch
- IOB Chennai Apollo Hospital Branch
- IOB Coimbatore Main Branch
- IOB Erode Branch
- IOB Gandhipuram Branch
- IOB Jubilee Hills Branch
- IOB Kavundampalayam Kongunadu College Branch
- IOB Kovilpatti Branch
- IOB Madurai Chokkikulam Branch
- IOB Mayiladuthurai Junction Branch
- IOB Muthialpet Pondiche Branch
- IOB Naharlagun Branch
- IOB Palani Branch
- IOB Pattabiram Branch
- IOB Peelamedu Branch
- IOB Perungalathur Branch
- IOB R O Coimbatore Branch
- IOB Redfields Coimbatore Branch
- IOB Salem Main Branch
- IOB Sivaganga Branch
- IOB Station Road Chromepet Branch
- IOB Thanjavur Main Branch
- IOB Thiruvanmiyur Branch
- IOB Thiruvottiyur Branch
- IOB Ulundurpet Branch
- IOB Vijayapuri Branch
- IOB Visalakshipuram Madurai Branch
- IOB Bahadurpur Branch
FAQs on IOB IFSC Code
- Is the IFSC code distinct?
IFSC codes are distinct alphanumeric codes, yes.
- Where is the MICR code on the cheque located?
Each cheque leaf that banks offer has a MICR code stamped on the bottom.
- Are money transfers without an IFSC code possible?
No, to transfer money to another bank account via NEFT, RTGS, or net banking, you need your IFSC code.
- Is sharing an IFSC code secure?
Your IFSC code can be shared, of course. In reality, one of the information you must supply in order to transfer or receive money using net banking is the IFSC code.
- After an account transfer, does the IFSC code change?
Your IFSC code won't change unless the bank combines with another bank. Your IFSC code will change, though, if you change the branch where you have a bank account.
- Does IMPS require an IFSC code?
Only when using a bank account number to transfer money is IFSC code necessary for IMPS. If the recipient's MMID is unavailable, the sender must add the recipient as a payee, which necessitates the input of information such the recipient's bank account number, name, and IFSC.
- I believe the IFSC code I entered while starting a NEFT money transfer was incorrect. How will my money be handled?
You don't need to worry because you only need to provide the receiver's account number and the IFSC code of the matching bank for a NEFT transaction to be successful and benefit the intended recipient. If you provide an incorrect IFSC code, the system will check it against the recipient's name and account number to find the error and issue a refund. Within a few hours at most, the reimbursement will be shown in your account.
- What does the IFSC code serve?
Each bank branch inside the NEFT network is identified by the Reserve Bank of India using an 11-digit alphanumeric code known as the Indian Financial System number (IFSC).
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