IOBA0000002 — Indian Overseas Bank, Adyar
IOBA0000002 is the IFSC code of Indian Overseas Bank, Adyar branch, Chennai, Tamil Nadu. MICR 600020043. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0000002 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Adyar |
| Address | NO 12, SARDAR PATEL ROAD, ADAYAR, CHENNAI - 600020 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| MICR code | 600020043 |
| SWIFT code | — |
| Phone | +914424913138 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Indian Overseas Bank branches in Chennai
- Adambakkam — IOBA0000612
- Ambattur Industrial Estate — IOBA0000196
- Aminjikarai — IOBA0000005
- Anna Nagar — IOBA0000270
- Arumbakkam — IOBA0001036
- Ashok Ngr — IOBA0000463
- Ayanavaram — IOBA0000009
- B Rdway — IOBA0001307
- Besant Nagar — IOBA0000258
- Cathedral — IOBA0000109
- Centralised Pension Processing Centre — IOBA0009069
- Chennai Maduravoyal — IOBA0001658
How to read IFSC IOBA0000002
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 000002 | Branch code – Adyar, Chennai |
The MICR code 600020043 is printed at the bottom of cheques from this branch: 600 is the city code, 020 the bank code and 043 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Adyar
Payments this branch can receive using IFSC IOBA0000002:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC IOBA0000002.
Questions about IFSC IOBA0000002
What is the IFSC code of Indian Overseas Bank, Adyar branch?
The IFSC code of Indian Overseas Bank, Adyar branch (Chennai, Tamil Nadu) is IOBA0000002.
What is the MICR code of Indian Overseas Bank, Adyar?
The MICR code of this branch is 600020043.
Where is Indian Overseas Bank, Adyar branch located?
The branch address is NO 12, SARDAR PATEL ROAD, ADAYAR, CHENNAI - 600020 (Tamil Nadu).
Does IOBA0000002 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.