IOBA0000869 — Indian Overseas Bank, Kumudepalli
IOBA0000869 is the IFSC code of Indian Overseas Bank, Kumudepalli branch, Belgaum, Karnataka. MICR 635020406. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0000869 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Kumudepalli |
| Address | ADHIYAMAAN COLLEGE OF ENGG CAMPUS, HOSUR KRISHNAGIRI ROAD, HOSUR EAST PIN 635109 |
| City | Belgaum |
| District | Kumudapalli |
| State | Karnataka |
| MICR code | 635020406 |
| SWIFT code | — |
| Phone | 260543 |
| 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.
How to read IFSC IOBA0000869
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 000869 | Branch code – Kumudepalli, Belgaum |
The MICR code 635020406 is printed at the bottom of cheques from this branch: 635 is the city code, 020 the bank code and 406 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Kumudepalli
Payments this branch can receive using IFSC IOBA0000869:
- 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 IOBA0000869.
Questions about IFSC IOBA0000869
What is the IFSC code of Indian Overseas Bank, Kumudepalli branch?
The IFSC code of Indian Overseas Bank, Kumudepalli branch (Belgaum, Karnataka) is IOBA0000869.
What is the MICR code of Indian Overseas Bank, Kumudepalli?
The MICR code of this branch is 635020406.
Where is Indian Overseas Bank, Kumudepalli branch located?
The branch address is ADHIYAMAAN COLLEGE OF ENGG CAMPUS, HOSUR KRISHNAGIRI ROAD, HOSUR EAST PIN 635109 (Karnataka).
Does IOBA0000869 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.