Below are the complete branch details for Indian Overseas Bank, BICHPURI branch, located in AGRA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0002916. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0002916 for Indian Overseas Bank – BICHPURI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IOBA0002916 is the IFSC of Indian Overseas Bank's BICHPURI branch. The format is fixed: IOBA = bank code, 0 = reserved, 002916 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bichpuri branch — IFSC IOBA0002916 — extends the bank's services to customers in and around Agra, Uttar Pradesh.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Bichpuri |
| IFSC Code | IOBA0002916 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP STATE BANK OF INDIA,BICHPURI VILLAGE,AGRA U P PIN 283105 |
| City | Agra |
| District | Agra |
| State | Uttar Pradesh |
| STD Code | 44 |
| Phone | 28584896 |
About the Bichpuri branch
The Bichpuri branch of Indian Overseas Bank is situated at OPP STATE BANK OF INDIA,BICHPURI VILLAGE,AGRA U P PIN 283105. 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 IOBA0002916 is used.
Why every Indian Overseas Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BICHPURI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002916 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IOBA0002916 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Bichpuri branch
Once you have an account at Indian Overseas Bank – BICHPURI, the IFSC IOBA0002916 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.
Products and services
Customers walking into the Bichpuri branch can access most of Indian Overseas Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IOBA0002916
How to transfer money using IFSC IOBA0002916
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 IOBA0002916 across all three.
NEFT to Indian Overseas Bank, BICHPURI using IFSC IOBA0002916
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 IOBA0002916, and confirm that the system picks up Indian Overseas Bank – BICHPURI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BICHPURI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's BICHPURI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002916 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank BICHPURI (IFSC IOBA0002916)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002916 in your mobile or internet banking app, and the money is credited to the BICHPURI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bichpuri
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 IOBA0002916:
- 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 BICHPURI is still linked to IFSC IOBA0002916.
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 IOBA0002916
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 – BICHPURI is still mapped to IFSC IOBA0002916. 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 IOBA0002916 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0002916
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the BICHPURI 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 IOBA0002916 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.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Overseas Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IOBA0002916 and the account number together uniquely identify the Bichpuri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0002916
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Overseas Bank – BICHPURI, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IOBA0002916. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Bichpuri branch
The branch is located at OPP STATE BANK OF INDIA,BICHPURI VILLAGE,AGRA U P PIN 283105, 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 Bichpuri branch” — the verified location pin for IFSC IOBA0002916 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 IOBA0002916 and your account number.
Verifying IFSC IOBA0002916 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 IOBA0002916 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 Bichpuri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002916, however, work 24x7.
Branch address & contact
Indian Overseas BankBichpuri Branch
OPP STATE BANK OF INDIA,BICHPURI VILLAGE,AGRA U P PIN 283105
Agra, Uttar Pradesh
Phone: 44-28584896
IFSC: IOBA0002916
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Bichpuri branch?
The IFSC code of Indian Overseas Bank, Bichpuri branch is IOBA0002916. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bichpuri branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0002916 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Bichpuri reflect within 30 minutes.
Can I use IFSC IOBA0002916 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002916 to send funds instantly.
Is IFSC IOBA0002916 the same for all accounts at Bichpuri branch?
Yes. The IFSC IOBA0002916 is shared by every account held at Indian Overseas Bank's Bichpuri branch. Only the account number changes from customer to customer.
Is IFSC IOBA0002916 valid for NEFT and RTGS?
Yes. IFSC IOBA0002916 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Bichpuri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002916, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Bichpuri branch located?
Indian Overseas Bank's Bichpuri branch is located at OPP STATE BANK OF INDIA,BICHPURI VILLAGE,AGRA U P PIN 283105, Agra, Uttar Pradesh.
Summary
The IFSC code IOBA0002916 belongs to Indian Overseas Bank's BICHPURI branch, located at OPP STATE BANK OF INDIA,BICHPURI VILLAGE,AGRA U P PIN 283105 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.
