IFSC Code of Indian Overseas Bank, Raghunathpur, Brahmapur, Odisha — IOBA0003449

There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Indian Overseas Bank for its Raghunathpur branch in Ganjam, Brahmapur, Odisha, then this comprehensive guide will provide you with detailed information.

The banking system in India has changed over time, and today the customers of Indian Overseas Bank situated in Ganjam or anywhere in Odisha can easily transfer funds instantly by using the correct IFSC Code IOBA0003449. You should know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.

Details of IFSC Code for Indian Overseas Bank, Raghunathpur, Ganjam

Below in the table are the key details related to IFSC Code IOBA0003449 of Indian Overseas Bank for its branch located in Ganjam, within the district of Brahmapur in the state of Odisha.

These details help users in online banking and for businesses and individuals who use Indian Overseas Bank in Ganjam for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code IOBA0003449 for the Raghunathpur branch of Indian Overseas Bank has a very important role.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Indian Overseas Bank located in Raghunathpur, Ganjam, Odisha, is provided a unique IFSC like IOBA0003449 so that their online payments reach the right place.

The IFSC Code is important because:

• It uniquely recognizes the Indian Overseas Bank branch in Ganjam.
• Helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any confusions between multiple branches of the same bank across different places like Ganjam and Brahmapur.
• It reduces most of the errors in fund transfers and makes sure its accuracy.
• It enables sender banks to validate and confirm branch details before processing payments.

For thousands of branches across Odisha and the rest of India, the IFSC Code ensures that transactions meant for Indian Overseas Bank in Raghunathpur do not get misguided to another person.

Format of the IFSC Code IOBA0003449

This is the format of the IFSC Code for banks, including Indian Overseas Bank, follows an 11-character structure:

AAAA0CCCCCC

Here's the explanation:

• First 4 characters (AAAA): This is the bank code. For Indian Overseas Bank, these characters are the bank's short identifier.
• 5th character (0): This stays zero till there is any future use.
• Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Raghunathpur in Ganjam.

For example, the IFSC Code IOBA0003449 of Indian Overseas Bank for the Raghunathpur branch includes these elements, identifying the bank and the branch location in Ganjam and Odisha accurately.

How to Find IFSC Code for Indian Overseas Bank?

If you are trying to find the IFSC Code IOBA0003449 of Indian Overseas Bank for its Raghunathpur branch located in Ganjam, the following methods can help:

Cheque Book

The cheque book issued by Indian Overseas Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.

Passbook

You can easily find the IFSC and MICR codes because most banks, including Indian Overseas Bank branches in Ganjam and Brahmapur, print them on the first page of your passbook.

Bank Website

Visit the official website of Indian Overseas Bank and navigate to the branch locator section. Search for Raghunathpur or Ganjam to get the exact IFSC Code IOBA0003449.

Mobile Banking App

If you use Indian Overseas Bank's mobile app, you can check your account details to find your branch's IFSC code.

RBI Website

The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Indian Overseas Bank and Ganjam, you'll get the correct details.

How to Use IFSC Code IOBA0003449 for Online Transfers?

Once you have the IFSC Code IOBA0003449 for the Raghunathpur branch of Indian Overseas Bank in Ganjam, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code IOBA0003449. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.

RTGS

Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.

IMPS

Instant 24×7 transfers. Requires the recipient's account details and Indian Overseas Bank IFSC Code IOBA0003449.

No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Indian Overseas Bank Raghunathpur in Ganjam, your payment can get delayed or might not go through at all.

Finding the MICR Code

MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Indian Overseas Bank in Raghunathpur, you can find it by any of the following ways:

• Check the bottom of your cheque leaf.
• Go to the first page of your passbook.
• Visit the official Indian Overseas Bank website.
• Search the RBI portal.

Having both IFSC and MICR codes helps account holders in Ganjam manage online transfers as well as cheque clearances with ease.