IFSC Code of Indian Overseas Bank, Paila, Kheri, Uttar Pradesh — IOBA0003645

For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Indian Overseas Bank for its Paila branch in Lakhimpur Kheri, Kheri, Uttar Pradesh, this comprehensive guide will provide you with detailed information.

The banking system in India has changed significantly over the years, and today customers of Indian Overseas Bank located in Lakhimpur Kheri or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code IOBA0003645. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.

Details of IFSC Code for Indian Overseas Bank, Paila, Lakhimpur Kheri

Below in the table are the key details related to IFSC Code IOBA0003645 of Indian Overseas Bank for its branch located in Lakhimpur Kheri, within the district of Kheri in the state of Uttar Pradesh.

These details helps users in online banking and for businesses and individuals who use Indian Overseas Bank in Lakhimpur Kheri for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code IOBA0003645 for the Paila branch of Indian Overseas Bank plays a vital role.

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, including Indian Overseas Bank located in Paila, Lakhimpur Kheri, Uttar Pradesh, is provided with a unique IFSC like IOBA0003645 to ensure that online payments reach the right destination.

The IFSC Code is important because:

• It uniquely identifies the Indian Overseas Bank branch in Lakhimpur Kheri.
• It helps NEFT, RTGS, and IMPS systems route the transfer securely.
• It avoids any errors or confusions between multiple branches of the same bank across different places like Lakhimpur Kheri and Kheri.
• It reduces errors in fund transfers and improves accuracy.
• It allows sender banks to validate and confirm branch details before processing payments.

There are thousands of branches across Uttar Pradesh and the rest of India and the IFSC Code ensures that transactions meant for Indian Overseas Bank in Paila do not get mixed with another location.

Format of the IFSC Code IOBA0003645

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 Paila in Lakhimpur Kheri.

For example, the IFSC Code IOBA0003645 of Indian Overseas Bank for the Paila branch includes these elements, identifying the bank and the branch location in Lakhimpur Kheri and Uttar Pradesh accurately.

How to Find IFSC Code for Indian Overseas Bank?

If you are trying to find the IFSC Code IOBA0003645 of Indian Overseas Bank for its Paila branch located in Lakhimpur Kheri, 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

Most banks, including Indian Overseas Bank branches in Lakhimpur Kheri and Kheri, print the IFSC and MICR codes 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 Paila or Lakhimpur Kheri to get the exact IFSC Code IOBA0003645.

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 Lakhimpur Kheri, you'll get the correct details.

How to Use IFSC Code IOBA0003645 for Online Transfers?

Once you have the IFSC Code IOBA0003645 for the Paila branch of Indian Overseas Bank in Lakhimpur Kheri, you can initiate your fund transfers using any digital method:

NEFT

Add the beneficiary's name, account number, and IFSC Code IOBA0003645. The transfer is completed in batches. It is useful for both personal and business payments.

RTGS

Used for payments over ₹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 IOBA0003645.

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 Paila in Lakhimpur Kheri, your payment can get delayed or might not go through at all.

Finding the MICR Code

MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Indian Overseas Bank in Paila, here are some ways to obtain 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.

Having both the IFSC and MICR codes makes it easy for account holders in Lakhimpur Kheri to handle online money transfers and get their cheques cleared smoothly.