Indian Overseas Bank (IOB) is one of India’s oldest and most trusted public sector banks, with a strong presence across urban and rural areas. While digital platforms like IOB Net Banking, Mobile Banking, and UPI have made banking more convenient, many customers still prefer visiting a branch for essential services such as cash deposits, withdrawals, cheque clearances, loan processing, and documentation.
To make your branch visits smooth and hassle-free, it is important to know the IOB Bank timings, including its opening and closing hours, lunch break schedule, and weekend banking hours.
IOB Bank Opening and Closing Timings
IOB Bank generally follows standard banking hours as prescribed by the Reserve Bank of India (RBI). However, slight variations in timings may exist based on the branch’s location (metro, urban, semi-urban, or rural).
- Opening Time: Most IOB branches open at 9:30 AM on working days.
- Closing Time: Branches typically close at 3:00 PM.
During these hours, customers can visit their local branches for services such as cash deposits, withdrawals, account opening, passbook updates, cheque clearance, and loan-related assistance.
Tip: It’s always a good idea to confirm the exact timings with your nearest branch, as regional variations may occur.
IOB Bank Lunch Time
To provide uninterrupted service to customers, IOB follows a staggered lunch break system. This means that all staff members do not take lunch at the same time, keeping the counters open for customers throughout the day.
- Lunch Break Timing: Usually between 1:00 PM and 2:00 PM.
Although the branch remains open during this period, customers may experience slight delays in some services due to reduced staff availability at the counters.
IOB Bank Timings on Saturdays
IOB Bank follows the RBI’s five-day banking week policy, which makes it essential for customers to be aware of its weekend schedule.
- 1st, 3rd, and 5th Saturdays: Branches remain open during regular working hours, from 9:30 AM to 3:00 PM.
- 2nd and 4th Saturdays: All branches remain closed.
- Sundays: Branches remain closed.
By keeping this schedule in mind, customers can plan their banking visits accordingly and avoid unnecessary trips on closed days.
IOB Bank Holiday Schedule
IOB branches remain closed on:
- National Holidays: Such as Republic Day (26th January), Independence Day (15th August), and Gandhi Jayanti (2nd October).
- State-Specific Holidays: Regional festivals and events declared by state governments.
- Weekly Holidays: All Sundays and the 2nd and 4th Saturdays of each month.
For urgent banking needs during holidays or outside branch hours, customers can rely on IOB’s digital banking services, including Net Banking, IOB Mobile App, ATMs, and UPI platforms, which are available 24×7.
Final Thoughts
Knowing the IOB Bank timings helps customers plan their visits efficiently and save time. Whether it’s cash deposits, cheque clearance, loan inquiries, or account-related services, visiting the branch during official working hours ensures smooth and quick service.
For day-to-day banking needs such as fund transfers, balance inquiries, and bill payments, customers can use IOB’s secure and convenient digital platforms, which are available round the clock. By combining in-branch visits for complex transactions with online banking for routine services, you can make your banking experience with Indian Overseas Bank efficient, seamless, and hassle-free.
