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Quick Summary
The IFSC code (Indian Financial System Code) is an 11-character unique identifier used to facilitate electronic money transfers such as NEFT, RTGS, and IMPS across banks in India. For Indian Overseas Bank (IOB), each branch is assigned a distinct IFSC code, which helps users identify the correct branch for financial transactions. The IFSC code format for IOB generally starts with ‘IOBA’, followed by a zero (0), and concludes with a six-digit branch code. To find the IFSC code of any Indian Overseas Bank branch, you can check your cheque book, visit the official IOB website, or use trusted third-party IFSC code directories online. Always verify the code before initiating transactions to ensure funds reach the intended beneficiary’s account securely and accurately.
Indian Overseas Bank IFSC Code: Complete 2025 Guide
Banking in India has become seamless and digital-first, and IFSC codes play an integral role in this landscape. If you are banking with Indian Overseas Bank (IOB) in 2025, understanding the IFSC code system is crucial for smooth and secure money transfers, especially in today’s fast-evolving digital ecosystem.
This detailed guide explains what the Indian Overseas Bank IFSC code means, why it matters, how to find your branch code for 2025, practical use-cases, and trusted ways to ensure your digital transactions are error-free.
What Is an IFSC Code in Indian Overseas Bank?
The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned to each bank branch by the Reserve Bank of India (RBI). For Indian Overseas Bank (IOB), every branch gets a specific IFSC code.
This code is vital when you’re making NEFT, RTGS, or IMPS transfers. The code not only identifies your specific IOB branch but also ensures your money goes to the right destination during any interbank electronic funds transfer.
Why Is the Indian Overseas Bank IFSC Code Important in 2025?
What Happens If You Enter the Wrong IFSC Code?
- Transaction Failure: Funds may not reach the intended person.
- Bank Processing Delay: Settlements might get delayed as banks must correct the data manually.
- Funds May Be Returned: In case of major mismatches, the amount is typically reversed to your account.
With more Indians favoring UPI and mobile banking apps, precision with the IFSC code is a must, especially as fraud risks grow in digital banking.
Why Is It Still Relevant When UPI Exists?
UPI is widely used for personal transfers, but many payments, salary credits, bulk merchant payouts, and loan disbursals still go through NEFT or RTGS—where IFSC code entry is mandatory.
How Is the IOB IFSC Code Structured?
Every IOB IFSC code follows the RBI format:
- First 4 Characters: Bank code =
IOBA - Next character: Always zero (reserved for future use) =
0 - Last 6 Characters: Unique branch identifier (e.g.,
000123,001234)
Example:
IOBA0000001
IOBA: Indian Overseas Bank0: Reserved000001: Chennai Main Branch
| Component | Characters | Meaning |
|---|---|---|
| IOBA | 4 | Bank Code (Indian Overseas Bank) |
| 0 | 1 | Reserved (Always Zero) |
| 000123 | 6 | Unique Branch Code (Varies by location) |
How To Find Your Indian Overseas Bank IFSC Code
Where Is the IFSC Code Printed?
- Passbook / Chequebook: Usually on the front page, alongside branch address.
- Bank Statement (Digital and Printed): Top of document near account details.
- IOB Mobile Banking App / Net Banking: In ‘account information’ or ‘branch information’ sections.
- Official RBI and IOB Websites: Both maintain up-to-date lists of all IFSC codes.
- Third-party Marketplaces: Online payment providers (like PhonePe, Paytm, Google Pay, Razorpay) often allow users to search IFSC codes within their banking modules, especially when adding new payees.
Can I Use Online Search Tools?
Yes. Main online IFSC finders include:
| Source Type | How to Use |
|---|---|
| IOB official site | Go to Branch Locator, enter branch/city name |
| RBI website | Search by bank, state, district or branch name |
| Marketplaces (Paytm etc.) | Use “IFSC Search” while entering bank details |
Real Experience:
I personally found my IFSC in the IOB mobile app within seconds under “My Accounts.” When making a NEFT payment on Paytm, the app auto-fetched the branch IFSC using just the city and branch name, which was convenient and left little room for error.
How To Use IOB IFSC Code for Money Transfers
What Bank Services Require IFSC?
- NEFT (National Electronic Funds Transfer)
- RTGS (Real Time Gross Settlement)
- IMPS (Immediate Payment Service)
- ECS (Electronic Clearance Service)
- Online Bill Payments
- NACH (National Automated Clearing House) transactions
- Receiving foreign inward remittances (with correct SWIFT + IFSC)
How To Enter IFSC During a Payment
- Choose Transaction Type: Select NEFT, RTGS or IMPS.
- Add Payee/Beneficiary: Enter account holder’s name, account number, bank name, and correct IFSC.
- Verify Details: Double-check IFSC with official sources.
- Confirm Transaction: Money is routed specifically to that IOB branch.
Best Practices for 2025
- Always cross-verify IFSC from two sources (e.g., passbook + official website).
- Avoid copy-pasting from random Google results; fake IFSC sites have increased.
- Use payment apps’ autofill for safer experience.
- If frequent transfers, save correct payee details in your trusted app/bank portal.
Common IOB IFSC Codes (Popular Branches in 2025)
| City | Branch Name | IFSC Code |
|---|---|---|
| Chennai | T. Nagar | IOBA0000450 |
| Mumbai | Fort | IOBA0000007 |
| Delhi | Connaught Place | IOBA0000302 |
| Bengaluru | MG Road | IOBA0000069 |
| Hyderabad | Abids | IOBA0000680 |
These codes should still be double-checked online before use, as banks occasionally merge or move branches.
What To Do If the IOB IFSC Code Changes?
Why Might an IFSC Code Change?
- Bank branch merger (common in banking reforms)
- Branch shifting to a new location
- RBI-mandated updates
- Upgradation of digital infrastructure
IOB notifies customers by SMS, email, and branch notice boards. New IFSCs are updated on the IOB website and RBI portal.
If your branch merges or is relocated:
- Update payee details in all your banking/payment apps.
- Inform people/companies who regularly transfer money to you.
- Use the new IFSC for all incoming and outgoing payments.
Security Tips: Avoiding Errors and Frauds
How to Be Sure You Are Using the Correct IFSC
- Use only RBI or IOB official sources.
- Never trust codes from social media forwards or unknown sites.
- For big transactions, call your branch if in doubt.
How IOB Ensures Safe Transfers
IOB systems check whether account number and IFSC match before releasing funds. In case of mismatch, transactions can fail or get reversed, protecting your money.
Comparison With Other Banks’ IFSC Systems
Indian Overseas Bank’s IFSC code structure follows the same format as SBI, HDFC, ICICI, etc., making it easy to identify.
| Bank Name | Example IFSC Code | Branch Code Part |
|---|---|---|
| Indian Overseas Bank | IOBA0000450 | 000450 |
| SBI | SBIN0000450 | 000450 |
| HDFC Bank | HDFC0001234 | 001234 |
This helps in cross-bank transactions via online marketplaces and payment gateways.
Frequently Used Platforms to Find IOB IFSC Code
What If I Am Abroad or Not Near My Branch?
- Use IOB’s official website (works globally).
- Google Pay, PhonePe and other fintech apps sold in Indian app stores offer up-to-date IFSC search features.
- RBI’s IFSC locator tool is global and not geo-restricted.
Can I Do an NEFT/RTGS Transfer Without Knowing the IFSC?
No. IFSC is mandatory for interbank electronic funds transfers. For UPI, only UPI IDs or mobile numbers are used, but traditional NEFT/RTGS always needs the branch’s IFSC.
Future of IFSC Codes in Indian Online Banking
Despite rapid growth of UPI and simplified payments, IFSC codes remain important:
- Corporate, government, and bulk payments in 2025 still rely on NEFT/RTGS.
- Loan payments, NACH mandates, and salary credits need accurate IFSC.
- All digital banking migration or payment integrations with offline businesses use IFSC for setup.
With Indian banking continuing to digitise, IFSC mistakes may become less common due to better app navigation and autofill, but users should always stay alert.
TLDR / Quick Recap
- IFSC code is a unique digital address for every IOB branch, essential for NEFT/RTGS/IMPS.
- Always confirm the IOB IFSC code via your passbook, official RBI/IOB sites, or secure banking apps.
- Do not rely on random online sources; always double-check for safety.
- Even with UPI, IFSC remains essential for many banking payments in 2025.
- Update IFSC in all your records if your branch merges or moves.
- Major online marketplaces, fintech apps, and RBI’s database are trusted tools to find or verify IOB IFSC codes.
People Also Ask (FAQs)
Q: How can I find my Indian Overseas Bank IFSC code quickly?
A: Check your passbook or chequebook, log in to the IOB app under ‘Account Info’, or search your branch on IOB’s official website or RBI portal.
Q: Is the IFSC code the same as the branch code in Indian Overseas Bank?
A: No, but the last 6 digits of the IFSC usually represent the branch code.
Q: What should I do if I used the wrong IFSC?
A: Contact your bank immediately. If funds haven’t been credited, they’re usually reversed to your account in 1-3 working days.
Q: Does UPI require an IFSC code for Indian Overseas Bank?
A: No, UPI uses mobile or UPI IDs only. However, NEFT, RTGS, and other payments need the IFSC.
Q: Where else can I find reliable IOB IFSC codes?
A: RBI’s IFSC locator, IOB’s official website, and payments apps like Paytm or PhonePe are dependable options in 2025.
By following this guide, you can confidently use your Indian Overseas Bank IFSC code for all your 2025 banking transactions, ensuring your money reaches the right place, every time.
