Branch Details — IOBA0001046
| Bank Name | Indian Overseas Bank |
| Branch Name | Commercial AND Instl Credit |
| IFSC Code | IOBA0001046 |
| MICR Code | 600020006 |
| Bank Code (RBI) | IOBA |
| Branch Code | 001046 |
| Address | 98-A, EUROS CORPORATE CENTRE, DR RADHAKRISHNAN SALAI, MYLAPORE, CHENNAI - 600004 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| Contact | 28478638 |
| Toll Free | 1800-425-4445 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using IOBA0001046
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC IOBA0001046.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC IOBA0001046.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is IOBA0001046. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Indian Overseas Bank Commercial AND Instl Credit branch, Chennai, Tamil Nadu.
The MICR code is 600020006. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: 98-A, EUROS CORPORATE CENTRE, DR RADHAKRISHNAN SALAI, MYLAPORE, CHENNAI - 600004. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
IOBA identifies Indian Overseas Bank. The 5th character 0 is reserved by RBI. The last 6 characters 001046 identify the Commercial AND Instl Credit branch.
Yes. Indian Overseas Bank Commercial AND Instl Credit Branch (IFSC: IOBA0001046) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC IOBA0001046 → select NEFT/RTGS/IMPS → confirm with OTP.