Indian Overseas Bank, KAYAMKULAM, ALAPUZZHA Branch IFSC Code
The IFSC code IOBA0000409 is assigned to Indian Overseas Bank, KAYAMKULAM located in ALAPUZZHA, KERALA. This code is required for electronic fund transfers like NEFT, RTGS, and IMPS transactions.
Bank Details
| Bank Name | Indian Overseas Bank | |
| IFSC Code | IOBA0000409 | |
| MICR Code | 690020102 | |
| Branch Code | 000409 | |
| Branch | KAYAMKULAM | |
| City | ALAPUZZHA | |
| District | KAYAMKULAM | |
| State | KERALA | |
| Address | 187A, NELSON BUILDING, MAIN ROAD, KAYAMKULAM PIN 690502 | Maps |
| Contact | 2442956 |
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Understanding IFSC and MICR Codes
What is IFSC Code?
IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in India. It is essential for electronic fund transfers through NEFT, RTGS, and IMPS systems.
What is MICR Code?
MICR (Magnetic Ink Character Recognition) is a 9-digit code printed on cheques. It helps in faster processing of cheques through automated reading.
When to Use These Codes?
- NEFT Transfer: Use IFSC code for National Electronic Funds Transfer (available 24x7)
- RTGS Transfer: Use IFSC code for Real Time Gross Settlement (for amounts ≥ ₹2 lakhs)
- IMPS Transfer: Use IFSC code for Immediate Payment Service (instant transfers)
- Cheque Processing: MICR code is printed on cheques for automated clearing
Frequently Asked Questions
IFSC Code IOBA0000409 is the Indian Financial System Code assigned to Indian Overseas Bank, KAYAMKULAM branch in ALAPUZZHA, KERALA. This 11-character code uniquely identifies this bank branch in India's electronic payment systems.
This branch is located in ALAPUZZHA, KAYAMKULAM, KERALA. The full address is: 187A, NELSON BUILDING, MAIN ROAD, KAYAMKULAM PIN 690502
The branch code is 000409. This is the last 6 characters of the IFSC code that uniquely identifies this specific branch of Indian Overseas Bank.
This branch supports the following electronic fund transfer services:
- NEFT - Available
- RTGS - Available
- IMPS - Available
- UPI - Available
The MICR (Magnetic Ink Character Recognition) code for this branch is 690020102. MICR code is a 9-digit code used for processing cheques and is printed on cheque leaves.
To use this IFSC code for fund transfers:
- Log in to your bank's internet banking or mobile app
- Navigate to fund transfer section (NEFT/RTGS/IMPS)
- Enter the beneficiary's account number
- Enter IFSC Code: IOBA0000409
- Verify the bank and branch details auto-populated
- Complete the transfer