This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, AGRA KAMALANAGAR branch in AGRA. The 11-digit IFSC IOBA0000455 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the AGRA KAMALANAGAR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0000455 is the IFSC of Indian Overseas Bank's AGRA KAMALANAGAR branch. The format is fixed: IOBA = bank code, 0 = reserved, 000455 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Agra Kamalanagar |
| IFSC Code | IOBA0000455 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B 194 MAIN MARKET KAMALANAGER AGRA282 004 |
| City | Agra |
| District | Agra |
| State | Uttar Pradesh |
| STD Code | 44 |
| Phone | 28584896 |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Agra Kamalanagar branch — IFSC IOBA0000455 — extends the bank's services to customers in and around Agra, Uttar Pradesh.
About the Agra Kamalanagar branch
The Agra Kamalanagar branch of Indian Overseas Bank is situated at B 194 MAIN MARKET KAMALANAGER AGRA282 004. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0000455 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Overseas Bank's AGRA KAMALANAGAR branch came to be assigned the code IOBA0000455.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IOBA0000455, money simply cannot be routed to the AGRA KAMALANAGAR branch electronically.
How to transfer money using IFSC IOBA0000455
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IOBA0000455 across all three.
NEFT to Indian Overseas Bank, AGRA KAMALANAGAR using IFSC IOBA0000455
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IOBA0000455, and confirm that the system picks up Indian Overseas Bank – AGRA KAMALANAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0000455
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – AGRA KAMALANAGAR, ensure your bank's portal accepts IFSC IOBA0000455 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – AGRA KAMALANAGAR, use IMPS. With IFSC IOBA0000455 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Agra Kamalanagar
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0000455:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at AGRA KAMALANAGAR is still linked to IFSC IOBA0000455.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC IOBA0000455
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Overseas Bank – AGRA KAMALANAGAR is still mapped to IFSC IOBA0000455. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IOBA0000455 and the beneficiary's account number to complete the transfer.
Account types you can open at the Agra Kamalanagar branch
Once you have an account at Indian Overseas Bank – AGRA KAMALANAGAR, the IFSC IOBA0000455 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Agra Kamalanagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0000455
MICR & cheque-truncation details
Cheques drawn on the Agra Kamalanagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000455 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0000455
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the AGRA KAMALANAGAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IOBA0000455 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Overseas Bank – AGRA KAMALANAGAR:
- The IFSC is exactly IOBA0000455 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Overseas Bank as the bank name and AGRA KAMALANAGAR as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Agra Kamalanagar branch
The branch is located at B 194 MAIN MARKET KAMALANAGER AGRA282 004, which puts it inside Agra, the broader Agra district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Agra Kamalanagar branch” — the verified location pin for IFSC IOBA0000455 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IOBA0000455 and your account number.
Verifying IFSC IOBA0000455 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IOBA0000455 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Agra Kamalanagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000455, however, work 24x7.
Branch address & contact
Indian Overseas BankAgra Kamalanagar Branch
B 194 MAIN MARKET KAMALANAGER AGRA282 004
Agra, Uttar Pradesh
Phone: 44-28584896
IFSC: IOBA0000455
Frequently asked questions
How do I add Indian Overseas Bank Agra Kamalanagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000455, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Agra Kamalanagar branch?
The IFSC code of Indian Overseas Bank, Agra Kamalanagar branch is IOBA0000455. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000455 valid for NEFT and RTGS?
Yes. IFSC IOBA0000455 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Agra Kamalanagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Where is Indian Overseas Bank Agra Kamalanagar branch located?
Indian Overseas Bank's Agra Kamalanagar branch is located at B 194 MAIN MARKET KAMALANAGER AGRA282 004, Agra, Uttar Pradesh.
Is IFSC IOBA0000455 the same for all accounts at Agra Kamalanagar branch?
Yes. The IFSC IOBA0000455 is shared by every account held at Indian Overseas Bank's Agra Kamalanagar branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0000455 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000455 to send funds instantly.
How quickly will an NEFT transfer using IOBA0000455 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Agra Kamalanagar reflect within 30 minutes.
Summary
The IFSC code IOBA0000455 belongs to Indian Overseas Bank's AGRA KAMALANAGAR branch, located at B 194 MAIN MARKET KAMALANAGER AGRA282 004 in AGRA, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
