Indian Overseas Bank, BIHARIA GURUDASPUR, MURSHIDABAD Branch IFSC Code
The IFSC code IOBA0003486 is assigned to Indian Overseas Bank, BIHARIA GURUDASPUR located in MURSHIDABAD, WEST BENGAL. This code is required for electronic fund transfers like NEFT, RTGS, and IMPS transactions.
Bank Details
| Bank Name | Indian Overseas Bank | |
| IFSC Code | IOBA0003486 | |
| Branch Code | 003486 | |
| Branch | BIHARIA GURUDASPUR | |
| City | MURSHIDABAD | |
| District | MURSHIDABAD | |
| State | WEST BENGAL | |
| Address | VILLAGE GURUDASPUR,C/O BANSHIBADAN BAISWAS,PO RAJNAGAR,PS HARIHARPARA,MURSHIDABAD DIST,WEST BENGAL - 742175 | Maps |
| Contact | +912025665822 |
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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 IOBA0003486 is the Indian Financial System Code assigned to Indian Overseas Bank, BIHARIA GURUDASPUR branch in MURSHIDABAD, WEST BENGAL. This 11-character code uniquely identifies this bank branch in India's electronic payment systems.
This branch is located in MURSHIDABAD, MURSHIDABAD, WEST BENGAL. The full address is: VILLAGE GURUDASPUR,C/O BANSHIBADAN BAISWAS,PO RAJNAGAR,PS HARIHARPARA,MURSHIDABAD DIST,WEST BENGAL - 742175
The branch code is 003486. 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
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: IOBA0003486
- Verify the bank and branch details auto-populated
- Complete the transfer