IOBA0000824 — Indian Overseas Bank, R O Ernakulam
IOBA0000824 is the IFSC code of Indian Overseas Bank, R O Ernakulam branch, Ernakulam, Kerala. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0000824 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | R O Ernakulam |
| Address | POST BOX NO 2384 DOOR NO NIL,VETTUKATTIL BUILDINGS,JOS JUNCTION,MGRD,ERNAKULAM,KOCHI 682016 |
| City | Ernakulam |
| District | Kochi |
| State | Kerala |
| MICR code | — |
| SWIFT code | — |
| Phone | +914428584896 |
| 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 Ernakulam
- Alwaye — IOBA0000664
- Angamali — IOBA0001910
- Cochin Willingdon Island — IOBA0000102
- Edapally — IOBA0001496
- Ernakulam — IOBA0000024
- Kadavanthara — IOBA0003671
- Kaloor — IOBA0001613
- Kochi — IOBA0000019
- Kochikakkanad — IOBA0001660
- Kothamangalam — IOBA0001907
- Kumbanad — IOBA0000436
- Lpc Ernakulam — IOBA0004070
How to read IFSC IOBA0000824
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 000824 | Branch code – R O Ernakulam, Ernakulam |
Sending money to Indian Overseas Bank, R O Ernakulam
Payments this branch can receive using IFSC IOBA0000824:
- 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 IOBA0000824.
Questions about IFSC IOBA0000824
What is the IFSC code of Indian Overseas Bank, R O Ernakulam branch?
The IFSC code of Indian Overseas Bank, R O Ernakulam branch (Ernakulam, Kerala) is IOBA0000824.
Where is Indian Overseas Bank, R O Ernakulam branch located?
The branch address is POST BOX NO 2384 DOOR NO NIL,VETTUKATTIL BUILDINGS,JOS JUNCTION,MGRD,ERNAKULAM,KOCHI 682016 (Kerala).
Does IOBA0000824 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.