IFSC Code of Indian Overseas Bank, Raipur Bhagwanpur, Roorkee, Uttarakhand — IOBA0003635

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 Raipur Bhagwanpur branch in Haridwar, Roorkee, Uttarakhand, 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 Haridwar or anywhere in Uttarakhand can easily transfer funds instantly by using the correct IFSC Code IOBA0003635. 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, Raipur Bhagwanpur, Haridwar

Here are the main details that are associated with the IFSC Code IOBA0003635 of Indian Overseas Bank for its branch located in Haridwar, within the district of Roorkee in the state of Uttarakhand.

These details are important not only for users using online banking but also for businesses and individuals who use Indian Overseas Bank in Haridwar for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code IOBA0003635 for the Raipur Bhagwanpur branch of Indian Overseas Bank is vital.

What Is IFSC Code and Why Is It Important?

IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Indian Overseas Bank located in Raipur Bhagwanpur, Haridwar, Uttarakhand, are allotted a unique IFSC like IOBA0003635 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It clearly tells which bank branch it is in Haridwar.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It prevents confusion between different branches of the same bank in places like Haridwar and Roorkee.
• It reduces errors in fund transfers and improves accuracy.
• It helps the sender banks to validate and confirm branch details before processing payments.

It makes sure that money sent to Indian Overseas Bank in Raipur Bhagwanpur reaches the right place, even though there are thousands of branches in Uttarakhand and across India.

Format of the IFSC Code IOBA0003635

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 Raipur Bhagwanpur in Haridwar.

For example, the IFSC Code IOBA0003635 of Indian Overseas Bank for the Raipur Bhagwanpur branch includes these elements, identifying the bank and the branch location in Haridwar and Uttarakhand accurately.

How to Find IFSC Code for Indian Overseas Bank?

If you are trying to find the IFSC Code IOBA0003635 of Indian Overseas Bank for its Raipur Bhagwanpur branch located in Haridwar, 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 Haridwar and Roorkee, 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 Raipur Bhagwanpur or Haridwar to get the exact IFSC Code IOBA0003635.

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 Haridwar, you'll get the correct details.

How to Use IFSC Code IOBA0003635 for Online Transfers?

If you have the IFSC Code IOBA0003635 for the Raipur Bhagwanpur branch of Indian Overseas Bank in Haridwar, you can easily go ahead with fund transfers using any digital method:

NEFT

Add beneficiary details including the name, account number, and IFSC Code IOBA0003635. Transfers are processed in batches. Suitable for 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. Asks for the recipient's account details and Indian Overseas Bank IFSC Code IOBA0003635.

Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Indian Overseas Bank Raipur Bhagwanpur in Haridwar, it may result in delayed or failed transactions.

Finding the MICR Code

MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Indian Overseas Bank in Raipur Bhagwanpur, here are some of the ways you can get it:

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

Knowing both IFSC and MICR code can help account holders in Haridwar manage their online transfers and cheque clearances easily.