Indian Overseas Bank
IFSC & BRANCH FINDER
Total Branches
3,438
States Presence
36
HEADQUARTERS
Chennai, Tamil Nadu
FOUNDED
1937
CUSTOMER CARE
1800 425 4445
OFFICIAL TAGLINE
Good People to Grow With
Missed Call Banking & Support
Check Bank Balance
Give a missed call from your registered mobile
8424022122
Missed Call Number
24/7 Customer Care
Call for queries, complaints, or blocking cards
1800 425 4445
Toll-Free Helpline
01
Register Mobile
Ensure your number is registered with your bank account for SMS banking.
02
Give Missed Call
Dial the number above. The call will disconnect automatically after 1-2 rings.
03
Get SMS
You will receive an SMS with your current balance details within seconds.
Current Loan Rates
Instant Approval & Flexible EMI Options
Last Updated: April 2026
HEURISTIC ESTIMATE FOR Indian Overseas Bank PURPOSES ONLY. NO DATA IS SHARED WITH BUREAUS. FOR OFFICIAL CREDIT REPORTS, VISIT THE CIBIL OFFICIAL PORTAL.
Loan Guidance & Smart Borrowing
Everything you need to know before applying for a loan at Indian Overseas Bank
Eligibility Criteria
To apply for a loan at Indian Overseas Bank, you typically need a stable income source, age between 21-65 years, and a good track record of past repayments.
Credit Score Impact
A CIBIL score of 750 or above helps you unlock special interest rate discounts and ensures your loan application is processed instantly.
Required Documents
Keep your PAN, Aadhaar, salary slips, and last 6 months bank statements ready for a hassle-free digital verification process.
Floating vs Fixed
Choose between interest rate types at Indian Overseas Bank. Floating rates change with market trends, while Fixed rates keep your EMI constant throughout.
Repayment Tenure
Home loans offer up to 30 years, while personal loans usually range from 1-5 years. Choose a tenure that fits your monthly budget.
Hidden Charges
Check for processing fees (usually 0.5% - 2%), foreclosure charges, and late payment penalties to avoid surprises later.
Expert Advice for Indian Overseas Bank Applicants
"Indian Overseas Bank offers "IOB Pushpaka" for car loans and "IOB Subham" for home loans. Loyal customers get preferential processing times."
Verified Advisory 2026
Loan Queries? We Have Answers
Expert Loan Advisory for Indian Overseas Bank Customers
Q. What is the lowest interest rate for Indian Overseas Bank home loans?
Home loan rates at Indian Overseas Bank currently start from around 8.40%, depending on your credit score and loan amount.
Q. Does Indian Overseas Bank charge processing fees for personal loans?
Yes, there is usually a processing fee of 1% to 2% of the loan amount, but this can be waived during festive offers.
Q. Can I prepay my Indian Overseas Bank car loan?
Yes, you can prepay your loan after a lock-in period, although foreclosure charges may apply depending on the specific loan agreement.
Q. How long does Indian Overseas Bank take to disburse a loan?
For pre-approved customers, it can be instant. For others, it usually takes 3-7 working days after all documents are verified.
Note: For any queries, please double-check from your bank account.
Direct Search Portal
Search all Indian bank branches, branch details and locations instantly.
Our data is sourced directly from verified bank records to ensure fund safety and transaction accuracy.
Explore by State
Select a state to see all branches
TAMIL NADU
1,451 Branches
ANDHRA PRADESH
296 Branches
KERALA
285 Branches
KARNATAKA
186 Branches
ODISHA
179 Branches
MAHARASHTRA
162 Branches
UTTAR PRADESH
155 Branches
GUJARAT
151 Branches
WEST BENGAL
131 Branches
PUNJAB
120 Branches
DELHI
79 Branches
GOA
34 Branches
RAJASTHAN
31 Branches
PUDUCHERRY
28 Branches
HARYANA
24 Branches
UTTARAKHAND
24 Branches
JHARKHAND
24 Branches
MADHYA PRADESH
21 Branches
BIHAR
17 Branches
CHANDIGARH
10 Branches
ASSAM
10 Branches
HIMACHAL PRADESH
10 Branches
MEGHALAYA
3 Branches
MANIPUR
3 Branches
Everything you need to know about Indian Overseas Bank Banking
INSTANT VERIFICATION
Our system uses official RBI-updated datasets to ensure you get the right IFSC every time. Verify before you transfer to ensure fund safety.
PRECISE LOCATIONS
Get exact map coordinates and addresses for all Indian Overseas Bank branches. We provide integrated Google Maps links for easy navigation.
Indian Overseas Bank is a major Indian public sector bank, focusing on sustainable growth and inclusive banking services.
About Indian Overseas Bank IFSC
The Indian Financial System Code (IFSC) for Indian Overseas Bank consists of 11 characters. The first four characters represent the bank name (IOBA), the fifth character is always '0' (reserved for future use), and the last six characters identify the unique branch location.
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