Indian Overseas Bank
NAINITAL Branch, NAINITAL
11-Character IFSC Anatomy Breakdown
Complete Branch Details
Electronic Transfer Capabilities & Limits
Available 24x7
Half-hourly batch clearance
Min. ₹2 Lakh
Real-time gross settlement
Instant Transfer
Up to ₹5 Lakh limit
1-Tap VPA
GPay, PhonePe, Paytm
How to Transfer Money to this Branch
- Log in to your mobile banking app or Internet Banking portal (SBI, HDFC, ICICI, etc.).
- Navigate to Fund Transfer → Add Beneficiary / Payee.
- Enter the recipient's Account Number and paste IFSC code IOBA0002804.
- Confirm bank name displays as Indian Overseas Bank and branch as NAINITAL.
- Select payment mode (IMPS for instant <₹5L, or RTGS for >₹2L) and authenticate with OTP/MPIN.
Frequently Asked Questions (IOBA0002804)
What is the IFSC code of Indian Overseas Bank NAINITAL branch? ↓
The verified 11-digit IFSC code is IOBA0002804. This unique alphanumeric code is used for routing electronic fund transfers via NEFT, RTGS, IMPS, and clearing networks across India.
Can I transfer money on Sundays and bank holidays using this IFSC code? ↓
Yes! Under Reserve Bank of India (RBI) directives, NEFT, RTGS, IMPS, and UPI operate 24x7x365, including Sundays, second/fourth Saturdays, and public holidays. Electronic transfers will be processed automatically without branch intervention.
What is the MICR code of Indian Overseas Bank NAINITAL? ↓
The 9-digit Magnetic Ink Character Recognition (MICR) code is 263020302. It is printed on cheque leaves for high-speed automated sorting at RBI clearing houses.
Where is the branch located? ↓
The official branch address is M/S. GANGOLAS CHEMISTS, 111-112, TALLI TAL, NAINITAL DIST. PIN 263 002, located in NAINITAL district, UTTARAKHAND.