The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Indian Overseas Bank for its Melpuram branch in Kanyakumari, Nagercoil, Tamil Nadu, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Indian Overseas Bank located in Kanyakumari or anywhere in Tamil Nadu can transfer funds instantly by using the correct IFSC Code IOBA0000846. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Indian Overseas Bank, Melpuram, Kanyakumari
The table below shows the main details of the IFSC Code IOBA0000846 for the Indian Overseas Bank branch in Kanyakumari, which falls under the Nagercoil district in Tamil Nadu.
| Particulars | Details |
|---|---|
| Bank | Indian Overseas Bank |
| IFSC Code | IOBA0000846 |
| Branch | Melpuram |
| City | Kanyakumari |
| District | Nagercoil |
| State | Tamil Nadu |
| Address | 20-21 C, Gil Gal Melpuram, Pacode Post, Melpuram - 629168 |
These details helps users in online banking and for businesses and individuals who use Indian Overseas Bank in Kanyakumari for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code IOBA0000846 for the Melpuram branch of Indian Overseas Bank plays a vital role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Indian Overseas Bank located in Melpuram, Kanyakumari, Tamil Nadu, are allotted a unique IFSC like IOBA0000846 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kanyakumari.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Kanyakumari and Nagercoil.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Indian Overseas Bank in Melpuram reaches the right place, even though there are thousands of branches in Tamil Nadu and across India.
Format of the IFSC Code IOBA0000846
The format of the IFSC Code for banks, including Indian Overseas Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): These represent the bank code. In Indian Overseas Bank, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Melpuram in Kanyakumari.
For example, the IFSC Code IOBA0000846 of Indian Overseas Bank for the Melpuram branch has these elements, identifying the bank and the branch location in Kanyakumari and Tamil Nadu correctly.
How to Find IFSC Code for Indian Overseas Bank?
If you are looking for the IFSC Code IOBA0000846 of Indian Overseas Bank for its Melpuram branch located in Kanyakumari, the following methods can help:
Cheque Book
The cheque book that is issued by Indian Overseas Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including Indian Overseas Bank branches in Kanyakumari and Nagercoil, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of Indian Overseas Bank and look for the branch locator section, then search for Melpuram or Kanyakumari to get the exact IFSC Code IOBA0000846.
Mobile Banking App
If you use Indian Overseas Bank's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Indian Overseas Bank and Kanyakumari, then it will provide you proper information.
How to Use IFSC Code IOBA0000846 for Online Transfers?
If you have the IFSC Code IOBA0000846 for the Melpuram branch of Indian Overseas Bank in Kanyakumari, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code IOBA0000846. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Asks for the recipient's account details and Indian Overseas Bank IFSC Code IOBA0000846.
Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Indian Overseas Bank Melpuram in Kanyakumari, it may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Indian Overseas Bank in Melpuram, here are some ways that you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Indian Overseas Bank website.
- Search the RBI portal.
If you know both IFSC and MICR codes, then it can help account holders in Kanyakumari manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is IOBA0000846.
Yes, but it can change during merging or restructuring of the bank.
No, MICR is for cheque clearing and IFSC is for online transfers.
You can find it on your chequebook, passbook, the bank's website, the mobile app, or on the RBI portal.
The address of the branch is 20-21 C, Gil Gal Melpuram, Pacode Post, Melpuram - 629168 located in Kanyakumari, Nagercoil, Tamil Nadu.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.