India · Kochi
Indian Overseas Bank in Kochi: IFSC codes and branch details
Indian Overseas Bank operates 8 branches in Kochi, out of 4,719 across India. Every branch has its own IFSC code — you need it, together with the account number, to receive a local transfer in Indian rupees. The codes below come from the Reserve Bank of India's own register.
That is about 2.5% of the 319 bank branches in Kochi, which makes it the 16th largest bank in the city by branch count. The largest in Kochi is State Bank of India, with 35. Kochi is Indian Overseas Bank's 56th largest city in India and holds about 4.1% of the 196 branches the bank runs across Kerala. Nationally Indian Overseas Bank is the 11th largest bank in the Reserve Bank of India's register, with 4,719 branches. Every code on this page starts with IOBA0 — those four letters are Indian Overseas Bank's own identifier, used at all of its branches nationwide.
IFSC codes for Indian Overseas Bank branches in Kochi
| IFSC code | Branch | Address |
|---|---|---|
| IOBA0000019 | Kochi | Vi 1147 Kottukulam Road Kochi Pin 682002 |
| IOBA0000024 | Ernakulam | 40 By 8007 and 8008, M. G. Road , Ernakulam, Kochi - 682 035 |
| IOBA0000102 | Cochin Willingdon Island | Xxiv By 1557, Handicraft Building, Indira Gandhi Main Road, Willingdon Island, Kochi Pin 682003 |
| IOBA0000824 | R O Ernakulam | Post Box No 2384 Door No Nil, Vettukattil Buildings, Jos Junction, Mgrd, Ernakulam, Kochi 682016 |
| IOBA0001496 | Edapally | Xxx By 116, Periyamkunnath Building, Konamthai Edapally, Ernakulam Pin 682024 |
| IOBA0001660 | Kochikakkanad | 275 By D Kallumkal Buildings Vazhakkala Kakkanadkochi Pin 682021 |
| IOBA0001870 | N H Bye Pass Palarivattom | Cc 32 By 1579 First Floor, Opp Emc Hospital, Bye Pass, Palarivattom, Cochin 682025 |
| IOBA0003671 | Kadavanthara | Madaparambil Building K P Vallon Road Kadavanthra Ernakulam 682020 |
Find a branch by its IFSC code
All 182,498 codes in the Reserve Bank of India register, snapshot of 2026-08-21, are searchable here. It covers branches this page does not list, including Indian Overseas Bank branches outside Kochi.
How to send money to a Indian Overseas Bank account in Kochi
- Get the details from your recipient — full name as it appears on the account, account number and the IFSC code of their branch.
- Fund your transfer from your own USD, EUR or GBP account details.
- Send in INR — the money arrives as a local Indian transfer, so the recipient does not need to deal with international banking.
Common questions
What is the IFSC code for Indian Overseas Bank in Kochi?
There is no single code — each of the 8 branches in Kochi has its own. They all begin with IOBA0, and the last six characters identify the individual branch. Find your recipient's branch in the table above to get the exact one.
Which Indian Overseas Bank branch in Kochi should I send to?
The one where the account was opened — the code is tied to that branch, not to the city, and Indian Overseas Bank has 8 of them in Kochi. If your recipient is not sure which is theirs, it is printed on their cheque book and shown in their banking app.
Do I need the IFSC code to receive money in Kochi?
Yes. For a local transfer into an Indian bank account you need the account number and the IFSC code of the receiving branch. Without the IFSC the payment cannot be routed.
Is Indian Overseas Bank the biggest bank in Kochi?
No. With 8 branches it ranks 16th in Kochi, behind State Bank of India, which has 35. Branch count is not the same as which bank is best for receiving money from abroad — any Indian account can receive a local rupee transfer.
What if I have the wrong IFSC code?
The transfer will normally be rejected and the money returned, but this takes time and a fee may apply. Always confirm the code with the recipient before sending.
Where this data comes from
Branch names, addresses and IFSC codes are taken from the Reserve Bank of India's list of NEFT-enabled branches, snapshot of 2026-08-21. The RBI compiles it from the participating banks themselves, so spellings follow the banks' own records. We normalise state names and city spellings, merge duplicate names for the same city, and exclude administrative entries such as RTGS head offices and service branches from branch counts. Nothing is added to the data. Found something wrong? Write to [email protected].
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