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Verified Branch

Indian Overseas Bank

GARHWA Branch, GARHWA

IFSC Code
IOBA0003864
Required for NEFT, RTGS, IMPS money transfers
MICR Code
N/A
Used in magnetic paper cheque clearing

11-Character IFSC Anatomy Breakdown

IOBA Bank Code (1-4)
0 Control Zero (5th)
003864 Branch Code (6-11)

Complete Branch Details

Full Address KAMLA COMPLEX,CHINYA ROAD,GARHWA,DISTRICT GARHWA 822114,JHARKHAND
State JHARKHAND
District / City GARHWA
Centre / Region GARHWA
Contact / Helpline +918789246462
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Electronic Transfer Capabilities & Limits

NEFT

Available 24x7

Half-hourly batch clearance

RTGS

Min. ₹2 Lakh

Real-time gross settlement

IMPS

Instant Transfer

Up to ₹5 Lakh limit

UPI / QR

1-Tap VPA

GPay, PhonePe, Paytm

How to Transfer Money to this Branch

  1. Log in to your mobile banking app or Internet Banking portal (SBI, HDFC, ICICI, etc.).
  2. Navigate to Fund Transfer → Add Beneficiary / Payee.
  3. Enter the recipient's Account Number and paste IFSC code IOBA0003864.
  4. Confirm bank name displays as Indian Overseas Bank and branch as GARHWA.
  5. Select payment mode (IMPS for instant <₹5L, or RTGS for >₹2L) and authenticate with OTP/MPIN.

Frequently Asked Questions (IOBA0003864)

What is the IFSC code of Indian Overseas Bank GARHWA branch? ↓

The verified 11-digit IFSC code is IOBA0003864. 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 GARHWA? ↓

The 9-digit Magnetic Ink Character Recognition (MICR) code is N/A. 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 KAMLA COMPLEX,CHINYA ROAD,GARHWA,DISTRICT GARHWA 822114,JHARKHAND, located in GARHWA district, JHARKHAND.

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RANCHI HINOO Branch

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SRINAGAR GARHWAL Branch

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KHOWAI Branch

WEST TRIPURA, TRIPURA

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NAMAKKAL TOWN Branch

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SIMDEGA Branch

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