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Indian Overseas Bank IFSC codes

All 4,730 branches of Indian Overseas Bank with their IFSC and MICR codes. Choose a state, then find your branch.

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About Indian Overseas Bank IFSC codes

Indian Overseas Bank is a public sector bank. It has 4,730 branches with an IFSC code in 34 states and union territories. Its IFSC codes begin with IOBA. An example is IOBA0000002 (Adyar, Chennai).

About Indian Overseas Bank

Kind of bank
Public sector bank
IFSC codes begin with
IOBA
Branches with an IFSC code
4,730, in 644 places and 33 states and union territories
MICR code of the bank
600020001 the 9-digit number the bank is known by in cheque clearing; each branch has its own
NPCI number (IIN)
508541 identifies the bank in NPCI systems such as Aadhaar-enabled payments
Official website
iob.bank.in from the Reserve Bank of India's list of bank websites
Deposit insurance
On the DICGC list of insured banks

Indian Overseas Bank is a public sector bank. A public sector bank is a bank in which the Government of India holds most of the shares. It is regulated by the Reserve Bank of India like every other bank, and it usually has a wide branch network, including in small towns and villages, and handles many government payments and pension accounts.

Its branches are spread over 33 states and union territories; the most are in Tamil Nadu, Odisha and Andhra Pradesh.

Deposit insurance: Indian Overseas Bank is on the list of insured banks of DICGC, the deposit insurer owned by the Reserve Bank of India. Deposits there are insured up to ₹5 lakh for each depositor, counting savings, current, fixed and recurring deposits in the bank together, principal and interest.

Payment services of Indian Overseas Bank

ServiceAt this bankWhat it is for
NEFTEvery branchTransfers of any amount, settled in half-hourly batches, at any hour of any day
RTGSEvery branchLarge transfers of ₹2 lakh and more, settled one by one at once
IMPSEvery branchInstant transfers at any hour, through the bank's app or net banking
UPIEvery branchInstant payments to a UPI ID, mobile number or QR code
NACH creditYesReceiving bulk payments such as salaries, pensions, dividends and subsidies
NACH debitYesMandates that collect an EMI, SIP or bill from the account on a fixed date
Aadhaar Payment BridgeYesGovernment benefits paid into the account linked to an Aadhaar number

From the lists of the Reserve Bank of India and NPCI, as of 1 September 2026. A branch that is "not listed" for a service can often still receive it through the bank's main office.

Check a Indian Overseas Bank code

11 characters: 4 letters, a zero, then 6 letters or digits. You see the bank, branch, address and MICR code. An old code of a merged or closed bank works too: you see what happened to it.

Questions

What is the IFSC code of Indian Overseas Bank?

Every branch of Indian Overseas Bank has its own IFSC code. The codes begin with IOBA. For example, the code of Adyar, Chennai is IOBA0000002. Choose the state above to see the code of each branch.

How do I find the IFSC code of my Indian Overseas Bank branch?

Choose your state on this page, then find your branch in the list or type its name in the search box. The code is also printed on your cheque book and passbook, and shown in the bank's app next to your account details.

Can I use one Indian Overseas Bank IFSC code for another branch?

Use the code of the branch where the account is held. A payment with the right account number and another branch code of the same bank usually still arrives, because banks match the account number, but it can be delayed or returned, so always use the exact code.

Data as of 1 September 2026. Sources