Indian Overseas Bank MICR Codes in Alapuzzha, Kerala

Indian Overseas Bank MICR Codes in Alapuzzha, Kerala

Indian Overseas Bank has 4 branches in Alapuzzha, Kerala, with 4 branches registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Each branch has a unique 9-digit MICR code — the magnetic ink identifier printed at the bottom of every cheque issued by that branch. BankZop's Indian Overseas Bank Alapuzzha directory is sourced directly from official RBI CTS data, making it the most reliable reference for branch MICR codes in Alapuzzha.

Click any branch from the list above to view its complete details — MICR code, IFSC code, BSR code, address, and phone number — all on a single result page with one-click copy buttons.

How to Find Your Indian Overseas Bank MICR Code in Alapuzzha

You are one click away from the MICR code you need. Here is the process:

• Step 1 — Filter if needed: Type your branch name in the search box above if the list is long. The list filters instantly as you type.
• Step 2 — Click your branch: Click the branch where your Indian Overseas Bank account is held. Make sure it is the exact branch — not just any Indian Overseas Bank branch in Alapuzzha.
• Step 3 — Copy the MICR code: The result page shows the 9-digit MICR code with a large Copy button. It also shows the IFSC code, BSR code, full address, and phone number for the same branch.

If you are not sure which branch your account belongs to, check your Indian Overseas Bank passbook first page, internet banking account summary, or the cheque book issued by your branch. The MICR code on your cheque will match the one on BankZop for the same branch.

What is the MICR Code for Indian Overseas Bank in Alapuzzha?

Every Indian Overseas Bank branch in Alapuzzha has a 9-digit MICR code structured as follows:

• Digits 1–3 (City Code): All Indian Overseas Bank branches in Alapuzzha share the same first 3 digits — the CTS city code assigned by the RBI for the Alapuzzha clearing zone.
• Digits 4–6 (Bank Code): These 3 digits identify Indian Overseas Bank within the Alapuzzha clearing zone. All Indian Overseas Bank branches in Alapuzzha share this segment.
• Digits 7–9 (Branch Code): The final 3 digits are unique to each branch. This is what differentiates the 4 Indian Overseas Bank branches in Alapuzzha from each other.

This means that even if two Indian Overseas Bank branches are on the same street in Alapuzzha, they have different MICR codes. Always use the code for the specific branch where your account is held — not just any Indian Overseas Bank Alapuzzha branch.

When You Need the Indian Overseas Bank Alapuzzha MICR Code

SIP Registrations and Mutual Fund Mandates

When registering a Systematic Investment Plan (SIP), the NACH mandate form asks for your bank branch's MICR code. If your account is at a Indian Overseas Bank branch in Alapuzzha, find your branch's MICR code above and enter it on the mandate form. The NPCI's NACH platform uses this code to debit your account each month for the SIP instalment. Using an incorrect MICR code causes mandate rejection and delays your SIP setup.

ECS Mandates for Bills and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity, broadband, gas, and insurance premiums require your Indian Overseas Bank branch MICR code in Alapuzzha. The ECS mandate form has a specific field for the 9-digit MICR code — not the IFSC. The clearing system uses this to identify your branch and process the recurring debit on the scheduled date.

Loan EMI Collection

Banks and NBFCs serving Alapuzzha collect loan EMIs via NACH mandates. When you take a home loan, personal loan, or vehicle loan, the lender asks for your bank account's MICR code to set up the monthly auto-debit. Enter the MICR code of your specific Indian Overseas Bank branch in Alapuzzha — found by clicking your branch in the list above.

About Indian Overseas Bank Branches in Alapuzzha, Kerala

Indian Overseas Bank has been serving customers in Alapuzzha with a network of 4 branches offering full banking services — savings accounts, current accounts, loans, fixed deposits, and digital banking. All 4 MICR-enabled branches participate in the RBI's CTS cheque clearing system, ensuring cheques deposited anywhere in India are cleared within one business day.

To browse Indian Overseas Bank branches in other cities in Kerala, visit the Indian Overseas Bank Kerala directory. For all Indian Overseas Bank branches nationwide, see the Indian Overseas Bank MICR code directory. For electronic transfer codes, use the Indian Overseas Bank Alapuzzha IFSC directory. For loan EMI planning, use the free EMI Calculator.