Standard Working Hours
IOB branches operate as follows:
- Monday to Friday: 10:00 AM to 4:00 PM
- 1st, 3rd, and 5th Saturdays: 10:00 AM to 4:00 PM
- Closed on: 2nd & 4th Saturdays, Sundays, and national holidays
Lunch Breaks
- No official shutdown, but staff stagger lunch between 1:30 PM – 2:30 PM.
- Counters remain operational during this period.
Electronic Transaction Timings
NEFT (National Electronic Funds Transfer)
- Weekdays: 8:00 AM to 7:00 PM (hourly batches)
- 1st, 3rd & 5th Saturdays: 8:00 AM to 1:00 PM
- Closed on 2nd & 4th Saturdays, Sundays, and bank holidays
RTGS (Real-Time Gross Settlement)
- Weekdays: 8:00 AM to 4:30 PM
- 1st, 3rd & 5th Saturdays: 8:00 AM to 2:00 PM
- Closed on 2nd & 4th Saturdays and Sundays
Branch Timings Summary
| Day | Branch Hours |
|---|---|
| Mon–Fri | 10:00 AM – 4:00 PM |
| 1st, 3rd, 5th Saturday | 10:00 AM – 4:00 PM |
| 2nd & 4th Saturday | Closed |
| Sundays & Bank Holidays | Closed |
Why It Matters
- Visit weekdays or working Saturdays for in-branch services.
- Avoid visit on closed days or during lunch overlap.
- Use digital banking or ATM for transactions outside branch hours—most services remain available via IOB’s mobile app or internet banking.
Bonus: NEFT and RTGS Processing Slots
- NEFT services operate until 7:00 PM in batches (excluding closed days).
- RTGS services end by 4:30 PM; extended until 2:00 PM on working Saturdays.
- IMPS and UPI: 24×7 availability.
Planning Tips
- Check holiday or special schedules on IOB’s official site or call customer care.
- Consider arriving early—especially before lunch or peak afternoon hours.
- Use digital channels if you’re short on time or visiting outside service hours.
Final Thoughts
Indian Overseas Bank maintains a consistent schedule in 2025:
- Open weekdays and select Saturdays (10 AM–4 PM)
- Closed on 2nd/4th Saturdays, Sundays, and holidays
- Temporarily paused staffing during lunch but service continues
- Digital and ATM services facilitate transactions 24×7 beyond branch hours
