Indian Overseas Bank — ERNAKULAM Branch

How to Use IOBA0000024 for Money Transfers

The IFSC code IOBA0000024 is specifically assigned to the ERNAKULAM branch of Indian Overseas Bank located in ERNAKULAM, KERALA. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use IOBA0000024 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use IOBA0000024 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require IOBA0000024 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Indian Overseas Bank ERNAKULAM Branch

The ERNAKULAM branch of Indian Overseas Bank is situated in ERNAKULAM, KERALA. The branch address is 40 BY 8007 AND 8008, M.G.ROAD , ERNAKULAM, KOCHI - 682 035. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. You can contact this branch at 2384395. Always use the IFSC code IOBA0000024 when making any online fund transfer to an account held at this branch.