Select Branch for Indian Overseas Bank in Sivaganga, Tamil Nadu

Choose a branch to view IFSC code and details

Branch
Amravathipudur

IOBA0003697

3B AMRAVATHIPUDUR MAIN ROAD AMRAVATHIPUDUR 630301
Branch
Attangudi

IOBA0000116

SURVEY NO.529 BY 2 KONAPET MAIN ROAD ATTANGUDI PIN 630101
Branch
Devakottai

IOBA0000023

20,THIAGIGAL RD,DEVAKOTTAI 630302
Branch
Eraniyur

IOBA0003507

193,AGRAHAARAM NORTH STREET,ERANIYUR POST - 630212
Branch
Idayamelur

IOBA0001165

972 A MAIN ROAD IDAYAMELUR PIN 630561
Branch
Ilayankudi

IOBA0000179

GRS NO 109 BY 702 BHARATHIYAR STREET ILAYANGUDI PIN 630702
Branch
Kalayarkoil

IOBA0001872

3220 KASTURIBAI STREET I FLOOR,KALLAL ROAD,KALAYARKOIL,PIN 630561
Branch
Kanadukathan

IOBA0000226

29 OPP TO BUS STAND,LOCAL FUND ROAD,KANADUKATHAN PIN 630103
Branch
Kandadevi

IOBA0002478

DE BRITTO HR SEC SCHOOL CAMPUS,TIRUPPATHUR ROAD,RAM NAGAR,KANDADEVI,DEVAKOTTAI TK,SIVAGANGA 630314
Branch
Kandaramanickam

IOBA0001343

THIRUKOSHTIYUR ROAD,KANDARAMANICKAM PIN 630204
Branch
Kanjirangal

IOBA0002731

NAGU NAGAR,TIRUPATTUR ROAD,KANJIRANGAL 630561
Branch
Karaikkudi College Road

IOBA0001344

26 BY 7, COLLEGE ROAD, GROUND FLOOR, SUBRAMANYAPURAM, KARAIKUDI PIN 630002
Branch
Karaikudi

IOBA0000034

72,73,74,SEKKALAI ROAD,KARAIKUDI PIN 630001
Branch
Kazhanivasal Karaikudi

IOBA0003766

143 KOTTAIYUR MAIN ROAD KAZHANIVASAL KARAIKUDI 630002
Branch
Kilasavalpatti

IOBA0000037

1 BY 68 69 WEST SIVANKOIL STREET630205
Branch
Kottaiyur

IOBA0001621

SNO278 1,CHATHIRAM OORANI N ,KOTTAIYUR,SIVAGANGA ,KOTTAIYUR PIN 630106
Branch
Managiri

IOBA0002283

85 BY 2B1B ANANDA NAGAR,MANAGIRI 630307 TAMIL NADU
Branch
Manamadurai

IOBA0002284

S NO 38 BY 16 SOWMIYA COMPLEX,SIVAGANGAI MAIN ROAD,MANAMADURAI,630606,TAMIL NADU
Branch
Mithravayal

IOBA0003609

3 BY 64,MITHRAVAYAL,PUDUVAYAL VIA,SIVAGANGA 630108
Branch
Paganeri

IOBA0002272

749 NAGARATHAR MALIGAI ST,PAGANERI,630 558
Branch
Pallathur

IOBA0002930

6 8 7,WARD NO.6,MAIN ROAD,PALLATHUR 630 107.SIVAGANGA DISTRICT TAMIL NADU STATE
Branch
Poolankurichi

IOBA0003494

3 PONGADU PERIAVEETHI KALUNGU STREET POOLANKURICHI - 630405
Branch
Puduvayal

IOBA0002840

18D,SAKKOTTAI MAIN ROAD,OPP.TO NEW BUS STAND,PUDUVAYAL 623108.SIVAGANGA DISTRICT TAMIL NADU STATE
Branch
Puludhipatti

IOBA0001225

1 BY 122 SAMI ILLAM PULUDHIPATTI PIN 630309
Branch
Puvanthi

IOBA0002843

SENKOTTAI VILLAGE KALLAMANGALAM PUVANTHI 630611
Branch
R O Karaikudi

IOBA0000820

DOOR NO 26 BY 7,COLLEGE ROAD,I FLOOR,SUBRAMANIAPURAM KARAIKUDISIVAGANGA DT PIN CODE 623002
Branch
RamachandraPuram

IOBA0000227

3 BY 81 BAZAAR STREET RAMACHANDRAPURAM PIN 622505
Branch
Sembanur

IOBA0002732

2BY90A MAIN ROAD,SEMBANUR 630313
Branch
ShanmuganathaPuram

IOBA0000250

1 BY 95,EAST FIRST STREET SHANMUGANATHAPURAM PIN 630314
Branch
Singampunari

IOBA0002480

NO 16,IST BLOCK,17 TH WARD DINDUGAL MAIN ROAD OPP SBI,SINGAMPUNARI SIVAGANGA 630502
Branch
Sivaganga

IOBA0000084

253,GANDHI RD,SIVAGANGA 630560
Branch
Spudur

IOBA0001913

654,OPP,GOVT,HIGHER,SEC,SCHOOL,VPUDUR,POST,TIRUPATHUR,TALUK,SPUDUR,PIN,630410
Branch
Thirupachetti

IOBA0000524

10 BY 67 MAIN ROAD THIRUPACHETTI PIN 630610
Branch
Thiruppuvanam

IOBA0000528

PLOT NO9, MAIN ROAD, THIRUPPUVANAM 630611
Branch
Tirupathur

IOBA0001739

S F NO 338 BY 10 11 2 15 MADURAI MAIN ROAD TIRUPATHUR PIN630211
Branch
Vaniakudi

IOBA0003303

158B,MANAMADURAI MAIN ROAD,MELAVANIANGUDI,VANIAGUDI,SIVAGANGA 630561

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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