Select Branch for Indian Overseas Bank in Kanyakumari, Tamil Nadu

Choose a branch to view IFSC code and details

Branch
Anandhanadarkudi

IOBA0003090

D NO 12117 B BROTHER STREET,ANANDHANADARKUDI,AGASTEESWARAM,NAGERCOIL,KANYAKUMARI 629201
Branch
AnjuGramam

IOBA0002359

7 BY 2,ANJUGRAMAM BUS STAND SOUTHERN SIDE,KANYA KUMARI DISTRICT
Branch
Aramboly

IOBA0001333

18 BY 55A,MAIN ROAD,ARAMBOLY,PIN 629301
Branch
Arukani

IOBA0001195

HOLY FAMILY CHURCH BUI ARUKANI PIN 629101
Branch
Arumanai

IOBA0003379

NEDUMKULAM JUNCTION,ARUMANAI 629151
Branch
Asaripallam

IOBA0001865

KANYAKUMARI GOVT MED COL CAMPUS,ASARI PALLAM,NAGERCOIL,PIN 629201
Branch
Azhagiyamandapam

IOBA0002723

28BY59 60 61,MAIN ROAD,KATTUTHURAI PANCHAYAT,AZHAGIYAMANADAPAM,KANYAKUMARI 629175
Branch
AzhagiyapandiPuram Kesavanputhoor

IOBA0002759

9BY6,BALAMORE ROAD,ETTAMADAI,AZHAGIYAPANDIPURAM 629852
Branch
Eathamozhi

IOBA0000285

ANBU BUILDING, NEXT TO COIR SOCIETY, NAGERCOIL ROAD, EATHAMOZHI - 629501
Branch
Elankadai Nagercoil

IOBA0002727

HOUSE NO 86A AFZAL MANZIL,PARAKKAI ROAD,ELANKADAI,KOTTAR 629002
Branch
Eraniel

IOBA0000129

15 23A, MONDAY MARKET JUNCTION, ERANIEL, NEYYOOR PIN 629802
Branch
Friday Market

IOBA0000650

12 BY 116, 2ND MAIN ROAD, VELLAMODY, FRIDAY MARKET, PIN 629203
Branch
Govtpolytechniccollege

IOBA0001762

GOVT POLYTECHNIC COLLEGE CAMPUS,KONAM,NAGERCOIL,PIN 629004
Branch
Kaliyakkavilai

IOBA0002360

8 101 BY 22 26,CSI SHOPPING COMPLEX,TRIVANDRUM ROAD,KALIYAKKAVILAI 629153
Branch
Kaliyal

IOBA0000943

17-15, KADAYAL JUNCTION, KALIYAL - 629101
Branch
Kallukootam

IOBA0003625

NO.166,A KALLUKOOTAM POST,KALLUKOOTAM TALUK,NAGERCOIL 629808
Branch
Kanya Kumari

IOBA0002550

SUTHA COMPLEX MAIN ROAD,OPP V.K.N.LODGE,KANYAKUMARI 629702
Branch
Karungal

IOBA0003403

NO 18 21B CHELLANKONAM KARUNGAL KANIYAKUMARI DT
Branch
Kollarai Pinamthode

IOBA0003690

3,KOLLARAI PINAMTHODE THUMPACODE VILLAGE,THIRUPARAPPU SG TOWN PANCHAYAT,KULASEKHARAM KANYAKUMARI
Branch
Kottaram

IOBA0000253

357 BY 8,9, MISSION COMPOUND, KANYAKUMARI MAIN ROAD, KOTTARAM PIN 629703
Branch
Kuzhithurai

IOBA0002869

15BY78,F1ANDF2,ANNAI COMPLEX 1ST FLOOR,KUZHITHURAI,KANYAKUMARI 629163
Branch
Manavala Kurichi

IOBA0001335

PUDUKKADAI STREET ,MANAVALAKURICHI,KURUTHENCODE BK ,MANAVALAKURICHI ,PIN 629252
Branch
Mancode Panachamoodu

IOBA0002725

PKN BUILDING DOOR NO II.1.263,PANACHAMOODU,MANCODE PO 629152
Branch
Mangarai

IOBA0000744

4 BY 108 A,MANGARAI VIA KARUNGAL,MANGARAI PIN 629157
Branch
Marthandam

IOBA0001408

PL P M COMPLEX, MAIN ROAD, MARTHANDAM PIN 629165
Branch
Marungoor

IOBA0000274

9 BY 41D MEENAKSHI BUILDING,WEST ST ,MARUNGOOR PIN 629402
Branch
Maruthencode

IOBA0000881

111-7-110 N, PUTHANCHANTHAI JUNCTION,VIA KUZHITHURAI, MARUTHENCODE - 629163
Branch
Melekrishnanpudur

IOBA0003555

6 BY 138 B,GROUND FLOOR,MELEKRISHNANPUDUR,AGASTEESWARAM,NAGERCOIL 629601 KANYAKUMARI DISTRICT
Branch
MelPuram

IOBA0000846

20-21 C, GIL GAL MELPURAM, PACODE POST, MELPURAM - 629168
Branch
Midlakadu

IOBA0002549

4BY126 C NEAR RC CHURCH MIDLAKADU JUNCTION,PALAPALAM PO 629155
Branch
Nadaikkavoo

IOBA0000944

63 D NADAIKAVOO MAIN ROAD CHETHAN CODE POST NADAIKAVOO629 153
Branch
Nagercoil

IOBA0000063

15 BY 22 70 71,COURT ROAD,NAGERCOIL PIN 629001
Branch
Nagercoil MeenakshiPuram

IOBA0001336

85,DALAVAI STREET,MEENAKSHIPURAM,NAGERCOIL PIN 629002
Branch
Nagercoil Vetturnimadam

IOBA0001043

552 BY 1,M S ROAD,VETTURNIMADAM,NAGERCOIL PIN 629003
Branch
Pudukkadai

IOBA0000263

NEW SANKARA VILAS, KUZHITHURAI THENGAPATTANAM ROAD, PUDUKKADAI, PIN 629171
Branch
Putheri

IOBA0002658

4BY148BYC BALAMORE ROAD,PUTHERI,NAGERCOIL,KANYAKUMARI 629852
Branch
R O Nagercoil

IOBA0002003

POST BOX NO 8 DOOR NO 552 BY 1,FIRST FLOOR M S ROAD,VETTURANIMADAM NAGERCOIL PIN CODE 629003
Branch
Rajakkamangalamthurai

IOBA0002446

ANNAI AGAM,OPP PUNITHA SOOSAIAPPAR HIGH SCHOOL,RAJAKKAMANGALAMTHURAI,KANYAKUMARI,TAMILNADU,629501
Branch
Scottchristiancollege

IOBA0001761

SCOTT CHRISTIAN COLLEG,KOTTARPARVATHIPURAM ROAD,NAGERCOIL,PIN 629003
Branch
Suchindram

IOBA0002726

DOOR NO.12BY117 POO SASTHA KRIBA,KAVIMANINAGAR 2ND STREET,SUCHINDRAM 629704
Branch
Swamiyarmadam

IOBA0000273

11 BY 18, NESIAN BUILDING, KATTATHURAI, NAGERCOIL-TRIVANDRUM ROAD, SWAMIYARMADAM - 629158
Branch
Thirupathisaram

IOBA0003140

7 BY 97,VASANTHAM NAGAR,THIRUPATHISARAM VILLAGE AND POST,NAGERCOIL,KANNIYAKUMARI
Branch
Thittuvilai

IOBA0000251

77 BY 2A BY 1 BALAMORE ROAD, BOOTHAPANDY, THITTUVILAI - 629 852
Branch
Thovalai

IOBA0000223

10 BY 36 C MUTHU VELU BHAVANAM MAIN ROAD, THOVALAI - 629302
Branch
Verkilambi

IOBA0003537

14-5,CYSTEENA,PATHATCHU VILAI,POOVANCODE,VERKILAMBI,NAGERCOIL,KANYAKUMARI - 629128

What are Indian Overseas Bank IFSC Codes?

The Indian Financial System Code, commonly known as the IFSC code, is an alphanumeric code crucial for the electronic transfer of funds within the Indian banking system. This code helps in identifying specific bank branches, ensuring that electronic transactions like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service) are conducted smoothly and accurately.

The IFSC code acts as a guide that directs money to the right bank branch, whether it is for a money transfer to a friend, payment of a bill, or business transactions.

How to Read the Structure of the Indian Overseas Bank IFSC Code

The IFSC code is an 11-character code consisting of three distinct elements:

  • First Four Characters: These letters indicate the name of the bank. For instance, the first four alphabets in the code represent the bank's name.
  • Fifth Character: This is always '0' (zero) and is reserved for potential future use in the system.
  • Last Six Characters: These can be either numeric or alphabetic and identify a specific branch of the bank.

Example: An IFSC code may appear as "BANK0123456." Here, "BANK" denotes the bank, and "0123456" identifies the specific branch. This unique combination ensures that each branch of every bank has a distinct identification number, allowing the precise identification of the account's location.

How to Locate an Indian Overseas Bank IFSC Code

Locating an IFSC code is relatively straightforward and can be done using any of the following methods:

  • Cheque Book: The cheque leaves issued by your bank carry the IFSC code, usually printed on the upper section of the leaf.
  • Bank Passbook: The IFSC code is typically found on the first page of the bank passbook provided at the time of opening the account.
  • Official Websites of Banks: Most banks provide a search tool on their websites that allows you to find their respective IFSC codes based on branch location or branch name.
  • Online Banking Portals: IFSC codes are provided in most online banking systems, enabling customers to find the code related to their bank branch.
  • Mobile Banking Apps: Many banking apps allow you to view branch details, including IFSC codes.
  • RBI Website: The Reserve Bank of India maintains an official list of all banks and their respective branch IFSC codes on its website.

Importance of IFSC Code in Fund Transfers

The IFSC code plays a significant role in secure and efficient fund transfers in the following ways:

  • NEFT (National Electronic Funds Transfer): The IFSC code ensures that funds are transferred accurately from one account in a bank to another account in a different bank in India.
  • RTGS (Real-Time Gross Settlement): The IFSC code ensures the safety and speed of high-value transactions where money needs to be transferred at once.
  • IMPS (Immediate Payment Service): An instant fund transfer service where the IFSC code directs funds to the correct branch instantly.
  • Error Prevention: Accurate use of the IFSC code minimizes the chances of funds being directed to the wrong account or branch, thereby reducing errors.

Benefits of Using IFSC Code

Here are the main benefits of IFSC codes you must know:

  • Increased Security: Using the correct IFSC code ensures the transaction reaches the correct branch of the bank, minimizing errors or misdirected funds.
  • Faster and More Efficient: IFSC codes streamline the fund transfer process, making it faster than traditional methods.
  • Universal Use: Since the IFSC code system is standardized across all banks in India, it can be used for transfers between any banks.

Procedure to Perform Indian Overseas Bank Fund Transfer Using IFSC Code

Fund transfer using an IFSC code is a simple yet vital process:

  • Log in Through Online Banking: Use your mobile banking app or Internet banking portal to log in to your bank.
  • Fund Transfer: Select the option for fund transfer, choosing between NEFT, RTGS, or IMPS.
  • Add Recipient Details: Enter the recipient's name, account number, bank name, and the IFSC code of their branch.
  • Validate Details: Verify the entered details to avoid errors. Incorrect bank and IFSC details can lead to the rejection of your fund transfer request.
  • Confirm Transfer: After confirmation, the money will be transferred. Depending on the mode of transfer, the amount may be transferred within a few seconds or minutes.

How to Open a Indian Overseas Bank Bank Account

Opening a bank account is a simple if you have the necessary documents and meet the eligibility criteria:

Eligibility Criteria

  • Any citizen over 18 years old is eligible to open a bank account.
  • In the case of minors, parents or guardians can open an account on their behalf.
  • Non-residents are also eligible, provided they fulfill certain conditions established by the banks.

Required Documents

  • Proof of Identity: Aadhaar Card, Passport, Voter ID, or any government-issued ID.
  • Proof of Address: Aadhaar Card, Passport, utility bills, or any valid document proving residence.
  • PAN Card: A PAN card is required for tax compliance.
  • Passport Size Photographs: Usually, two to three recent photographs are needed.
  • Form 16: In certain cases where a PAN card is not available, Form 16 may be considered.

Process to Open an Account

  • Visit a Bank: Visit a branch of your chosen bank, or apply online if the bank offers an online application service.
  • Fill Out the Form: Complete the account opening form with your personal information.
  • Submit Documents: Provide documents verifying your identity and address.
  • Initial Deposit: Make an initial deposit if required by the specific type of account.
  • Account Activation: Once your documents are verified, your account will be activated, and you will receive a passbook, checkbook, and debit card.
  • Register for Internet and Mobile Banking: Register for Internet and mobile banking services to facilitate easy transactions.

Loan EMI Calculator: Importance and Types

For anyone taking a loan, an EMI calculator is a vital and useful tool. Based on the loan amount, interest rate, and repayment period, it assists you in calculating the monthly repayment amount. You may better manage your money and make sure the loan doesn't put a burden on your resources by using an EMI calculator. It helps you steer clear of any unpleasant shocks later on by giving you a clear image of your financial commitment.

Loan Calculators

  • Loan Calculator VA: Specifically designed for VA loans, helping veterans calculate their mortgage payments.
  • Loan Calculator Vehicle: Assists in determining monthly payments for vehicle loans.
  • Loan Calculator 30 Year: Calculates monthly payments for a 30-year loan term.
  • Loan Calculator Yearly Payment: Provides an annual breakdown of loan payments.

EMI Calculators

  • EMI Calculator for Home Loan: Helps in calculating the Equated Monthly Installment (EMI) for home loans.
  • EMI Calculator Us: Tailored for users in the US to compute their home loan EMIs.
  • EMI Calculator on Home Loan: Another tool for calculating home loan EMIs, ensuring accurate monthly payment estimates.

Interest Calculators

  • Interest calculator yearly: Calculates the annual interest on loans or investments.

SIP Calculators

  • SIP Calculator India: Designed for Indian investors to calculate returns on Systematic Investment Plans (SIPs).
  • SIP Calculator Return: Estimates the returns on SIP investments.
  • SIP Calculator Mutual Fund: Calculates potential returns from mutual fund SIPs.
  • SIP Calculator Months: Provides monthly breakdowns of SIP investments.
  • SIP Calculator Online: An online tool for calculating SIP returns.
  • SIP Calculator Yearly: Offers yearly projections of SIP returns.

PPF Calculators

  • PPF Calculator India: Calculates returns on Public Provident Fund (PPF) investments in India.
  • PPF Generator: Generates detailed reports on PPF investments.
  • PPF Calculator 15 Years: Estimates returns over a 15-year period.
  • PPF Calculator 30 Years: Projects returns over a 30-year period.

Conclusion

An IFSC code is an essential component of the Indian banking system, ensuring the secure electronic transfer of funds. Whether you're doing a simple NEFT transfer or a high-value RTGS transaction, the IFSC code plays an indispensable role in smooth banking operations. Knowing how to find and use this code is crucial for anyone conducting electronic transactions in India.

Frequently Asked Questions (FAQs)

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a specific branch of a bank in India. It is required for electronic fund transfers like RTGS and NEFT.

The IFSC code is crucial for ensuring safe and error-free transfers from one bank to another. It helps route transactions through the correct bank branch.

You can find the IFSC code on your cheque book and passbook or on your bank's official website. The Reserve Bank of India also publishes a list of IFSC codes.

Yes, the IFSC code is required to complete electronic fund transfers like NEFT, RTGS, and IMPS. Without the IFSC code, the transfer cannot be completed.

In Internet banking, the IFSC code of the beneficiary's bank and branch ensures safe and accurate transfers.

No, each branch of a bank has a unique IFSC code, making it easier to identify the specific branch for transactions.

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