Indian Overseas Bank, MIRA ROAD THANE, THANE Branch IFSC Code
The IFSC code IOBA0003431 is assigned to Indian Overseas Bank, MIRA ROAD THANE located in THANE, MAHARASHTRA. This code is required for electronic fund transfers like NEFT, RTGS, and IMPS transactions.
Bank Details
| Bank Name | Indian Overseas Bank | |
| IFSC Code | IOBA0003431 | |
| MICR Code | 400020080 | |
| Branch Code | 003431 | |
| Branch | MIRA ROAD THANE | |
| City | THANE | |
| District | THANE | |
| State | MAHARASHTRA | |
| Address | GOLDEN PALACE ESTATE,NEAR SAI PERTRO PUMP,MIRA BHAYANDER ROAD,MIRA ROAD E THANE 401 107 | Maps |
| Contact | +912228126225 |
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Understanding IFSC and MICR Codes
What is IFSC Code?
IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in India. It is essential for electronic fund transfers through NEFT, RTGS, and IMPS systems.
What is MICR Code?
MICR (Magnetic Ink Character Recognition) is a 9-digit code printed on cheques. It helps in faster processing of cheques through automated reading.
When to Use These Codes?
- NEFT Transfer: Use IFSC code for National Electronic Funds Transfer (available 24x7)
- RTGS Transfer: Use IFSC code for Real Time Gross Settlement (for amounts ≥ ₹2 lakhs)
- IMPS Transfer: Use IFSC code for Immediate Payment Service (instant transfers)
- Cheque Processing: MICR code is printed on cheques for automated clearing
Frequently Asked Questions
IFSC Code IOBA0003431 is the Indian Financial System Code assigned to Indian Overseas Bank, MIRA ROAD THANE branch in THANE, MAHARASHTRA. This 11-character code uniquely identifies this bank branch in India's electronic payment systems.
This branch is located in THANE, THANE, MAHARASHTRA. The full address is: GOLDEN PALACE ESTATE,NEAR SAI PERTRO PUMP,MIRA BHAYANDER ROAD,MIRA ROAD E THANE 401 107
The branch code is 003431. This is the last 6 characters of the IFSC code that uniquely identifies this specific branch of Indian Overseas Bank.
This branch supports the following electronic fund transfer services:
- NEFT - Available
- RTGS - Available
- IMPS - Available
- UPI - Available
The MICR (Magnetic Ink Character Recognition) code for this branch is 400020080. MICR code is a 9-digit code used for processing cheques and is printed on cheque leaves.
To use this IFSC code for fund transfers:
- Log in to your bank's internet banking or mobile app
- Navigate to fund transfer section (NEFT/RTGS/IMPS)
- Enter the beneficiary's account number
- Enter IFSC Code: IOBA0003431
- Verify the bank and branch details auto-populated
- Complete the transfer