Indian Overseas Bank, JOWAI, JAINTIA HILLS Branch IFSC Code

The IFSC code IOBA0003520 is assigned to Indian Overseas Bank, JOWAI located in JAINTIA HILLS, MEGHALAYA. This code is required for electronic fund transfers like NEFT, RTGS, and IMPS transactions.

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Bank Details

Bank Name Indian Overseas Bank
IFSC Code IOBA0003520
Branch Code 003520
Branch JOWAI
City JAINTIA HILLS
District JOWAI
State MEGHALAYA
Address PO JOWAI DIST WEST JAINTIA HILLS PIN 793150 MEGHALAYA Maps
Contact +913612464397

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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.

IOBA Bank Code
0 Reserved (0)
003520 Branch Code

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 IOBA0003520 is the Indian Financial System Code assigned to Indian Overseas Bank, JOWAI branch in JAINTIA HILLS, MEGHALAYA. This 11-character code uniquely identifies this bank branch in India's electronic payment systems.

This branch is located in JAINTIA HILLS, JOWAI, MEGHALAYA. The full address is: PO JOWAI DIST WEST JAINTIA HILLS PIN 793150 MEGHALAYA

The branch code is 003520. 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:

  1. Log in to your bank's internet banking or mobile app
  2. Navigate to fund transfer section (NEFT/RTGS/IMPS)
  3. Enter the beneficiary's account number
  4. Enter IFSC Code: IOBA0003520
  5. Verify the bank and branch details auto-populated
  6. Complete the transfer
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