Indian Overseas Bank IFSC / MICR Codes / Addresses Across India

Indian Overseas Bank IFSC / MICR Codes / Deposit Interest Rate

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Indian Overseas Bank also known as IOB, which is well known and major public sector bank based on chennai founded by M.Chidambaram Chettiyar in year 1937. Specialized in overseas banking and indian overseas bank has 3500+ branches, 300 ATM’s across india. All branches are enabled with 100% core banking system (CBS) offering various banking services including credit card, mutual fund, NRI banking and lot more.

With the participation of Allahabad bank, Indian Overseas Bank (IOB) join together with Universal Sompo General Insurance (USGI) Company Limited into Non Life Insurance Business successfully with equity participation and also tied up with Apollo munich health insurance services. Here we have published verified Indian Overseas bank IFSC / MICR / Branch codes along with deposit & loan interest rates, bank timings (Working hours), 24 / 7 customer care toll free number, branch address, phone number, email address and many more.

Head Office

Indian Overseas Bank
763 Anna Salai,
Chennai – 600002
Phone : +91 – 44 – 28524212, 28524212

Customer Care Toll Free Number

Phone Banking : 1800 425 4445 (24 / 7 support)
Credit Card Queries : 1800 425 7744

Bank Timings (Working Hours)

Monday – Saturday : 10.00 A.M. to 4.00 P.M. (2nd and 4th saturday holiday)
Sunday : Holiday

Official Website : http://www.iob.in
Internet Banking : https://www.iobnet.co.in

  Base Interest Rate9.90%
  Home Loan Interest9.90%
For purchase, construction, repair, renovation of house or flats
Holiday period of 18 months from the date of first disbursement
Maximum of 30 years of repayable in equated monthly installments (EMIs)
For salaried individual permanent job with a minimum of 2 or 3 years service
Self employed needs minimum period of 3 years of activity in the related field
  Personal Loan Interest14.90%
Employees of Govt. / reputed organizations to meet personal expenditure may apply
10 of salary or ₹15 Lakhs whichever is lower (Only who received the salary via IOB branches)
Maximum of 60 months repayment period allowed (EMIs)
  Two Wheeler Loans Interest10.40%
Salaried who working in Govt. / Public sector / Corporate / Self employed / NRIs may apply
The total monthly income of the applicant should be not less than ₹5000
90% vehicle cost or 10 times gross monthly income or ₹60,000 whichever is lower
Maximum of 72 equated monthly installments (EMIs) allowed
  Car Loans Interest10.40%
Salaried who working in Govt. / Public sector / Corporate / NRIs or Self employed may apply
The total monthly income of the applicant should be not less than ₹8000
90% vehicle cost (new car) or 10 times gross monthly income or ₹60,000 whichever is lower
If it is pre-owned car, up to 75% of the market value of the car will be the maximum loan
Maximum of 84 equated monthly installments (EMIs) allowed
  Education Loans Interest11.90%
Above specified rate of interest applicable up to ₹4 Lakhs
Above ₹4 lakhs to 7.50 lakhs, interest rate will be 13.15%
Above ₹7.50 lakhs, the rate of interest will be 12.90%
Maximum of ₹30 lakhs for students who studying in India
To study abroad, ₹40 lakhs will be the maximum loan amount
Repayment tenure will be 5 - 7 years excluding holiday period
Girls students avail 0.50% concession in rate of interest
  Gold Loans Interest11.90%
Above specified rate of interest applicable for up to 3 lakhs loan
For above ₹3 lakhs, the rate of interest will be 12.40%
Borrowers may apply minimum of ₹50,000 and maximum will be 10 lakhs
  Consumer Durables Interest12.65%
For salaried, 5 times the gross monthly income or ₹2 lakhs whichever is less
For self employed, 10 times the gross monthly income or ₹10 lakhs whichever is less
Maximum period of 6 years repayment period allowed
  Agricultural Loans InterestNA
Contact the nearest Branch for Interest details
  Internet BankingYes
  Credit CardYes
  ATM / Debit CardYes
  Cheque BooksYes
  Locker FacilityYes
  Core Banking Solution (CBS)Yes
  Mobile BankingYes

Indian overseas bank deposit interest rate

Deposit PeriodUp to ₹1 CroreAbove ₹1 Crore
7 days - 14 days5.00%Visit Nearest Branch
15 days - 29 days5.00%Visit Nearest Branch
30 days - 45 days5.00%Visit Nearest Branch
46 days - 60 days5.00%Visit Nearest Branch
61 days - 90 days5.00%Visit Nearest Branch
91 days - 120 days5.50%Visit Nearest Branch
121 days - 179 days5.50%Visit Nearest Branch
180 days - 269 days6.25%Visit Nearest Branch
270 days - < 1 year6.75%Visit Nearest Branch
1 year - < 2 years8.00%Visit Nearest Branch
2 years - 3 years7.75%Visit Nearest Branch
> 3 years - < 5 years7.75%Visit Nearest Branch
5 Years & above7.75%Visit Nearest Branch
NRE Deposits
1 year - < 2 years8.00%Visit Nearest Branch
2 years - 3 years7.75%Visit Nearest Branch
> 3 years - < 5 years7.75%Visit Nearest Branch
5 years - 10 years7.75%Visit Nearest Branch
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