India · Gudiyatham · IFSC
IOBA0002778 — Indian Overseas Bank, Pernambut
IOBA0002778 is the IFSC code of the Pernambut branch of Indian Overseas Bank in Gudiyatham, Tamil Nadu. You need it, together with the account number, to send a local rupee transfer to an account held at this branch.
This code belongs to one specific branch — Pernambut — and not to Indian Overseas Bank as a whole. The first four letters, IOBA, identify the bank; the last six identify this branch alone. Indian Overseas Bank runs 2 branches in Gudiyatham, and each has a different code, so a transfer sent to the wrong one can bounce back. The branch is enabled for every transfer type the register tracks — NEFT, RTGS, IMPS and UPI. Nationally Indian Overseas Bank has 4,719 branches in the Reserve Bank of India's register.
Branch details
| IFSC code | IOBA0002778 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Pernambut |
| Address | 1, Mohammed Ali 2nd Street, Pernambut High Road, Pernambut 635810 |
| City | Gudiyatham |
| District | Gudiyatham |
| State | Tamil Nadu |
| Phone | +914428584896 |
Transfer types this branch accepts
| Rail | Status |
|---|---|
| NEFT | Supported |
| RTGS | Supported |
| IMPS | Supported |
| UPI | Supported |
NEFT and RTGS move money between banks; IMPS runs around the clock; UPI is India's instant mobile system. An incoming transfer from abroad arrives over these same rails.
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 other Indian Overseas Bank branches.
How to send money to a Indian Overseas Bank account in Gudiyatham
- 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 bank does IFSC IOBA0002778 belong to?
Indian Overseas Bank, Pernambut branch in Gudiyatham, Tamil Nadu. The code identifies that single branch, which is what an Indian bank transfer is routed to.
Can I use IOBA0002778 to receive money from abroad?
Yes. Give the sender this code together with the account number — the money arrives as a local rupee transfer into the Pernambut branch.
What is the MICR code for this branch?
The register lists no MICR code for this branch. MICR is used for cheque clearing; for an electronic transfer you only need the IFSC.
Is this code the same for every branch of the bank?
No. Only the first four letters are shared across Indian Overseas Bank. The rest is unique to Pernambut, and using another branch's code sends the money to the wrong place.
Where do these details come from?
The Reserve Bank of India's own register of participating branches, which is the same source Indian banks publish from.
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 support@payerpay.io.
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