Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Indian Overseas Bank for its Dubagga branch in Lucknow, Lucknow, or Uttar Pradesh, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Indian Overseas Bank located in Lucknow or anywhere in Uttar Pradesh can transfer funds instantly by using the correct IFSC Code IOBA0003859. You should definitely 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, Dubagga, Lucknow
Below in the table are the key details related to IFSC Code IOBA0003859 of Indian Overseas Bank for its branch located in Lucknow, within the district of Lucknow in the state of Uttar Pradesh.
| Particulars | Details |
|---|---|
| Bank | Indian Overseas Bank |
| IFSC Code | IOBA0003859 |
| Branch | Dubagga |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| Address | Plot No. 1B, Khasra No. 141 And 142, Baigariya, Dubagga, Lucknow- 226003 |
These details are crucial, not just for online banking users but also for businesses and individuals who use Indian Overseas Bank in Lucknow for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code IOBA0003859 for the Dubagga branch of Indian Overseas Bank has an important 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, along with Indian Overseas Bank located in Dubagga, Lucknow, Uttar Pradesh, are given a unique IFSC like IOBA0003859 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Lucknow.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents any kind of confusion between different branches of the same bank in places like Lucknow and Lucknow.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It helps ensure that any money sent to Indian Overseas Bank in Dubagga goes to the correct branch. This is important because Indian Overseas Bank has thousands of branches in Uttar Pradesh and all over India, and the IFSC Code prevents payments from going to the wrong place.
Format of the IFSC Code IOBA0003859
The format of the IFSC Code for banks, including Indian Overseas Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Indian Overseas Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Dubagga in Lucknow.
For example, the IFSC Code IOBA0003859 of Indian Overseas Bank for the Dubagga branch includes these elements, identifying the bank and the branch location in Lucknow and Uttar Pradesh accurately.
How to Find IFSC Code for Indian Overseas Bank?
If you are trying to find the IFSC Code IOBA0003859 of Indian Overseas Bank for its Dubagga branch located in Lucknow, 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 Lucknow and Lucknow, 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 Dubagga or Lucknow to get the exact IFSC Code IOBA0003859.
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 Lucknow, you'll get the correct details.
How to Use IFSC Code IOBA0003859 for Online Transfers?
Once you have the IFSC Code IOBA0003859 for the Dubagga branch of Indian Overseas Bank in Lucknow, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code IOBA0003859. 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 IOBA0003859.
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 Dubagga in Lucknow, 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 Dubagga, here are some ways that 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.
If you know both IFSC and MICR codes, then it can help account holders in Lucknow manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is IOBA0003859.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Plot No. 1B, Khasra No. 141 And 142, Baigariya, Dubagga, Lucknow- 226003 located in Lucknow, Lucknow, Uttar Pradesh.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.