Indian Overseas Bank — RAMAKUNJA

DAKSHINA KANNNADA, KARNATAKA

IFSC Code

IOBA0003204

MICR Code

575020502

Branch

RAMAKUNJA

Bank

Indian Overseas Bank

District

PUTTUR

State

KARNATAKA

Contact

+918251258002

Address

RAMAKUNJA VILLAGE,PUTTUR TALUK,DAKSHINA KANNADA,KARNTAKA

Get Directions to This Branch

Using IFSC IOBA0003204 for money transfers

To move funds into an account held at RAMAKUNJA (Indian Overseas Bank) using NEFT, the sender's bank needs this branch's IFSC code — IOBA0003204. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.

RTGS is the go-to option when transferring large sums (₹2 lakh+) to RAMAKUNJA in DAKSHINA KANNNADA, since each transfer is settled individually and immediately rather than bundled with others.

Need money at Indian Overseas Bank, RAMAKUNJA right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to RAMAKUNJA: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting RAMAKUNJA In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Here's how to send money to RAMAKUNJA using net banking or a UPI app:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code IOBA0003204 when prompted — this routes the transfer to RAMAKUNJA specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Indian Overseas Bank RAMAKUNJA branch?

The IFSC code for Indian Overseas Bank's RAMAKUNJA branch in DAKSHINA KANNNADA, PUTTUR, KARNATAKA is IOBA0003204. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 575020502. MICR codes are used for cheque clearing, while the IFSC code (IOBA0003204) is what's needed for electronic transfers like NEFT and RTGS.

Where is the RAMAKUNJA branch of Indian Overseas Bank located?

This branch is located at: RAMAKUNJA VILLAGE,PUTTUR TALUK,DAKSHINA KANNADA,KARNTAKA. It falls under PUTTUR district, KARNATAKA.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (IOBA0003204) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +918251258002.

Other Indian Overseas Bank branches in PUTTUR

PUTTUR MANGALORE

Indian Overseas Bank in other districts of KARNATAKA

BANGALORE (48)MYSORE (17)MANGALORE (13)GADAG (5)BELGAUM (4)CHIKMAGALUR (4)HUBLI-DHARWAD (4)TUMKUR (4)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.