Indian Overseas Bank, GARHWA, GARHWA Branch IFSC Code

The IFSC code IOBA0003864 is assigned to Indian Overseas Bank, GARHWA located in GARHWA, JHARKHAND. 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 IOBA0003864
Branch Code 003864
Branch GARHWA
City GARHWA
District GARHWA
State JHARKHAND
Address KAMLA COMPLEX,CHINYA ROAD,GARHWA,DISTRICT GARHWA 822114,JHARKHAND Maps
Contact +918789246462

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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)
003864 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 IOBA0003864 is the Indian Financial System Code assigned to Indian Overseas Bank, GARHWA branch in GARHWA, JHARKHAND. This 11-character code uniquely identifies this bank branch in India's electronic payment systems.

This branch is located in GARHWA, GARHWA, JHARKHAND. The full address is: KAMLA COMPLEX,CHINYA ROAD,GARHWA,DISTRICT GARHWA 822114,JHARKHAND

The branch code is 003864. 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: IOBA0003864
  5. Verify the bank and branch details auto-populated
  6. Complete the transfer
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