IFSC Code of Indian Overseas Bank, Perungulam, Perungulam, Tamil Nadu — IOBA0001279

There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Indian Overseas Bank for its Perungulam branch in Ramanathapuram, Perungulam, Tamil Nadu, then this comprehensive guide will provide you with detailed information.

The banking system in India has changed over time, and today the customers of Indian Overseas Bank situated in Ramanathapuram or anywhere in Tamil Nadu can easily transfer funds instantly by using the correct IFSC Code IOBA0001279. You should know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.

Details of IFSC Code for Indian Overseas Bank, Perungulam, Ramanathapuram

Here are some of the key details that come with the IFSC Code IOBA0001279 of Indian Overseas Bank for its branch located in Ramanathapuram, within the district of Perungulam in the state of Tamil Nadu.

These details are crucial, not just for online banking users but also for businesses and individuals who use Indian Overseas Bank in Ramanathapuram for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code IOBA0001279 for the Perungulam branch of Indian Overseas Bank has an important 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 Perungulam, Ramanathapuram, Tamil Nadu, are allotted a unique IFSC like IOBA0001279 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Ramanathapuram.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents confusion between different branches of the same bank in places like Ramanathapuram and Perungulam.
• 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 Perungulam reaches the right place, even though there are thousands of branches in Tamil Nadu and across India.

Format of the IFSC Code IOBA0001279

This is the format of the IFSC Code for banks, including Indian Overseas Bank, follows an 11-character structure:

AAAA0CCCCCC

Here's the explanation:

• First 4 characters (AAAA): This is the bank code. For Indian Overseas Bank, these characters are the bank's short identifier.
• 5th character (0): This stays zero till there is any future use.
• Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Perungulam in Ramanathapuram.

For example, the IFSC Code IOBA0001279 of Indian Overseas Bank for the Perungulam branch includes these elements, identifying the bank and the branch location in Ramanathapuram and Tamil Nadu accurately.

How to Find IFSC Code for Indian Overseas Bank?

If you are trying to find the IFSC Code IOBA0001279 of Indian Overseas Bank for its Perungulam branch located in Ramanathapuram, the following methods can help:

Cheque Book

The cheque book issued by Indian Overseas Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.

Passbook

Most banks, including Indian Overseas Bank branches in Ramanathapuram and Perungulam, print the IFSC and MICR codes on the first page of your passbook.

Bank Website

Visit the official website of Indian Overseas Bank and navigate to the branch locator section. Search for Perungulam or Ramanathapuram to get the exact IFSC Code IOBA0001279.

Mobile Banking App

If you use Indian Overseas Bank's mobile app, you can check your account details to find your branch's IFSC code.

RBI Website

The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Indian Overseas Bank and Ramanathapuram, you'll get the correct details.

How to Use IFSC Code IOBA0001279 for Online Transfers?

Once you have the IFSC Code IOBA0001279 for the Perungulam branch of Indian Overseas Bank in Ramanathapuram, you can initiate your fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code IOBA0001279. Transfers are processed in batches. This is 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. Requires the recipient's account details and Indian Overseas Bank IFSC Code IOBA0001279.

Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Indian Overseas Bank Perungulam in Ramanathapuram may result in delayed or failed transactions.

Finding the MICR Code

MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Indian Overseas Bank in Perungulam, you can find it by any of the following ways:

• Check the bottom of your cheque leaf.
• Go to the first page of your passbook.
• Visit the official Indian Overseas Bank website.
• Search the RBI portal.

Having both IFSC and MICR codes helps account holders in Ramanathapuram manage online transfers as well as cheque clearances with ease.