IFSC Code IOBA0000396 - Indian Overseas Bank Kamareddy
5-3-688 VIDYA NAGAR COLONY NATIONAL HIGHWAY-7 KAMAREDDY - 503111
Quick Info
IFSC: IOBA0000396
Pincode: 503111
District: Nizamabad
Status: Active
About Indian Overseas Bank Kamareddy
IFSC Code IOBA0000396 belongs to Indian Overseas Bank Kamareddy branch located in Kamareddy, Nizamabad, Telangana. This branch serves customers in Kamareddy, Nizamabad, Telangana and surrounding areas.
Understanding IFSC Code IOBA0000396
The IFSC (Indian Financial System Code) IOBA0000396 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (IOBA): Bank code identifying Indian Overseas Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (000396): Unique branch identifier for Kamareddy
Electronic Fund Transfer Services
IFSC Code IOBA0000396 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Indian Overseas Bank Kamareddy branch is located at 5-3-688 VIDYA NAGAR COLONY NATIONAL HIGHWAY-7 KAMAREDDY - 503111 (Pincode: 503111) in Kamareddy, Nizamabad, Telangana. This location serves customers in Kamareddy, Nizamabad, Telangana and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code IOBA0000396 to ensure the transaction is routed correctly.
How to Use IFSC Code IOBA0000396
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: IOBA0000396 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Indian Overseas Bank Branches
If you're looking for other Indian Overseas Bank branches in Kamareddy, Nizamabad, Telangana or nearby areas, use our Indian Overseas Bank branch finder. You can search by city, district, or state to find all Indian Overseas Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | IOBA0000396 |
| Bank Name: | Indian Overseas Bank |
| Branch Name: | Kamareddy |
| Address: | 5-3-688 VIDYA NAGAR COLONY NATIONAL HIGHWAY-7 KAMAREDDY - 503111 |
| City: | Kamareddy |
| District: | Nizamabad |
| State: | Telangana |
| Pincode: | 503111 |
Payment Services Available
Indian Overseas Bank Kamareddy Branch IFSC Code IOBA0000396 — Complete Banking Guide for Kamareddy, Telangana
IFSC code IOBA0000396 belongs to the Kamareddy branch of Indian Overseas Bank in Kamareddy, Nizamabad district, Telangana. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC IOBA0000396 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Indian Overseas Bank, Kamareddy Branch
The Kamareddy branch of Indian Overseas Bank in Kamareddy, Telangana serves retail and corporate customers in Nizamabad district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC IOBA0000396 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC IOBA0000396
Four primary digital payment rails use IFSC IOBA0000396 for transfers to Indian Overseas Bank, Kamareddy: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC IOBA0000396 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Kamareddy branch of Indian Overseas Bank in Kamareddy carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC IOBA0000396 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC IOBA0000396 Before Transferring
Before initiating any high-value transfer to IFSC IOBA0000396, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Indian Overseas Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Indian Overseas Bank Kamareddy, Kamareddy IFSC
What is the IFSC of Indian Overseas Bank Kamareddy in Kamareddy?
The IFSC of Indian Overseas Bank, Kamareddy branch in Kamareddy, Telangana is IOBA0000396. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC IOBA0000396?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC IOBA0000396 to route funds to Indian Overseas Bank, Kamareddy, Kamareddy.
Who assigns IFSC codes like IOBA0000396?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Indian Overseas Bank applied for the IFSC for its Kamareddy branch in Kamareddy, and RBI issued IOBA0000396 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC IOBA0000396 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC IOBA0000396 at Indian Overseas Bank, Kamareddy, Kamareddy. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC IOBA0000396.
About IFSC Code IOBA0000396
IFSC Code IOBA0000396 belongs to Indian Overseas Bank branch Kamareddy located in Kamareddy, Nizamabad, Telangana.
Branch Information
- IFSC Code: IOBA0000396
- Bank: Indian Overseas Bank
- Branch: Kamareddy
- Address: 5-3-688 VIDYA NAGAR COLONY NATIONAL HIGHWAY-7 KAMAREDDY - 503111
- City: Kamareddy
- District: Nizamabad
- State: Telangana
- Pincode: 503111
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available