IOBA0000227 — Indian Overseas Bank, Ramachandrapuram
IOBA0000227 is the IFSC code of Indian Overseas Bank, Ramachandrapuram branch, Sivaganga, Tamil Nadu. MICR 622020004. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0000227 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Ramachandrapuram |
| Address | 3 BY 81 BAZAAR STREET RAMACHANDRAPURAM PIN 622505 |
| City | Sivaganga |
| District | Karaikudi |
| State | Tamil Nadu |
| MICR code | 622020004 |
| SWIFT code | — |
| Phone | 272249 |
| 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 Sivaganga
- Amravathipudur — IOBA0003697
- Attangudi — IOBA0000116
- Devakottai — IOBA0000023
- Eraniyur — IOBA0003507
- Idayamelur — IOBA0001165
- Ilayankudi — IOBA0000179
- K K Nagar — IOBA0003907
- Kalayarkoil — IOBA0001872
- Kanadukathan — IOBA0000226
- Kandadevi — IOBA0002478
- Kandaramanickam — IOBA0001343
- Kanjirangal — IOBA0002731
How to read IFSC IOBA0000227
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 000227 | Branch code – Ramachandrapuram, Sivaganga |
The MICR code 622020004 is printed at the bottom of cheques from this branch: 622 is the city code, 020 the bank code and 004 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Ramachandrapuram
Payments this branch can receive using IFSC IOBA0000227:
- 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 IOBA0000227.
Questions about IFSC IOBA0000227
What is the IFSC code of Indian Overseas Bank, Ramachandrapuram branch?
The IFSC code of Indian Overseas Bank, Ramachandrapuram branch (Sivaganga, Tamil Nadu) is IOBA0000227.
What is the MICR code of Indian Overseas Bank, Ramachandrapuram?
The MICR code of this branch is 622020004.
Where is Indian Overseas Bank, Ramachandrapuram branch located?
The branch address is 3 BY 81 BAZAAR STREET RAMACHANDRAPURAM PIN 622505 (Tamil Nadu).
Does IOBA0000227 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.