IOBABranch Code: 000409

Indian Overseas Bank IFSC Code

KAYAMKULAM Branch, KAYAMKULAM, KAYAMKULAM, KERALA

Primary IFSC Code

IOBA0000409

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Indian Overseas Bank, KAYAMKULAM branch in KAYAMKULAM, KERALA is IOBA0000409. The MICR code for cheque clearance is 690020102.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Indian Overseas Bank
Branch Name: KAYAMKULAM
MICR Code: 690020102
City / District: KAYAMKULAM (KAYAMKULAM)
State: KERALA
Postal Pincode: 690502

Full Branch Address

187A, NELSON BUILDING, MAIN ROAD, KAYAMKULAM PIN 690502, Pincode: 690502

Contact Details

Phone: 2442956

How to Read IFSC Code: IOBA0000409

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

IOBABank Identifier

First 4 alphabetic characters identify Indian Overseas Bank.

0Control Character

5th character is always numeral '0', reserved for future use.

000409Branch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Indian Overseas Bank (IOBA0000409)

What is the IFSC Code for Indian Overseas Bank KAYAMKULAM branch?

The IFSC Code for Indian Overseas Bank KAYAMKULAM branch in KAYAMKULAM, KERALA is IOBA0000409. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Indian Overseas Bank KAYAMKULAM branch?

The branch is located at: 187A, NELSON BUILDING, MAIN ROAD, KAYAMKULAM PIN 690502, Pincode: 690502, KAYAMKULAM, KERALA.

What is the MICR Code for Indian Overseas Bank KAYAMKULAM?

The MICR Code for electronic cheque clearing at Indian Overseas Bank KAYAMKULAM is 690020102.

How can I contact Indian Overseas Bank KAYAMKULAM branch?

You can contact the branch at: Phone: 2442956. For official national customer care, refer to Indian Overseas Bank's official banking channels.

How to decipher the IFSC code IOBA0000409?

The first 4 characters 'IOBA' represent Indian Overseas Bank. The 5th character is '0' reserved for future use. The last 6 characters '000409' represent the specific KAYAMKULAM branch code.