Below are the complete branch details for Indian Overseas Bank, FATEHABAD RD branch, located in AGRA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001433. 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 IOBA0001433 for Indian Overseas Bank – FATEHABAD RD — 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, IOBA0001433 is the IFSC of Indian Overseas Bank's FATEHABAD RD branch. The format is fixed: IOBA = bank code, 0 = reserved, 001433 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Fatehabad Rd |
| IFSC Code | IOBA0001433 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 18 BY A8D1,LAXMI COMML COMPLEX,PLAZA, FATEHABAD, AGRA |
| City | Agra |
| District | Agra |
| State | Uttar Pradesh |
| Phone | 2331057 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Fatehabad Rd branch in Agra, Uttar Pradesh is part of this network and uses the IFSC code IOBA0001433 for all electronic settlement.
Fatehabad Rd branch overview
Located at 18 BY A8D1,LAXMI COMML COMPLEX,PLAZA, FATEHABAD, AGRA, the Fatehabad Rd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001433 is required for all interbank electronic transfers routed through this branch.
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 FATEHABAD RD branch came to be assigned the code IOBA0001433.
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 IOBA0001433, money simply cannot be routed to the FATEHABAD RD branch electronically.
How to transfer money using IFSC IOBA0001433
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 IOBA0001433 across all three.
How to use IFSC IOBA0001433 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's FATEHABAD RD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0001433.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as FATEHABAD RD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0001433
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 – FATEHABAD RD, ensure your bank's portal accepts IFSC IOBA0001433 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank FATEHABAD RD (IFSC IOBA0001433)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001433 in your mobile or internet banking app, and the money is credited to the FATEHABAD RD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Fatehabad Rd
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 IOBA0001433:
- 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 FATEHABAD RD is still linked to IFSC IOBA0001433.
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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Overseas Bank's FATEHABAD RD branch, the IFSC IOBA0001433 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Fatehabad Rd branch is mapped to IFSC IOBA0001433 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian Overseas Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains IOBA0001433.
Products and services
Customers walking into the Fatehabad Rd 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 IOBA0001433
MICR & cheque-truncation details
Cheques drawn on the Fatehabad Rd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001433 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0001433
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the FATEHABAD RD 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 IOBA0001433 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.
Common mistakes to avoid when using IFSC IOBA0001433
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 – FATEHABAD RD, 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:
IOBA0001433. - 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.
Reaching the branch
The Fatehabad Rd branch sits at 18 BY A8D1,LAXMI COMML COMPLEX,PLAZA, FATEHABAD, AGRA. If you are travelling from outside Agra, search for the branch on a maps application using the bank name and locality, or call 2331057 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IOBA0001433 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001433 for Indian Overseas Bank – FATEHABAD RD, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
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 Fatehabad Rd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001433, however, work 24x7.
Branch address & contact
Indian Overseas BankFatehabad Rd Branch
18 BY A8D1,LAXMI COMML COMPLEX,PLAZA, FATEHABAD, AGRA
Agra, Uttar Pradesh
Phone: 2331057
IFSC: IOBA0001433
Frequently asked questions
How quickly will an NEFT transfer using IOBA0001433 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Fatehabad Rd reflect within 30 minutes.
Where is Indian Overseas Bank Fatehabad Rd branch located?
Indian Overseas Bank's Fatehabad Rd branch is located at 18 BY A8D1,LAXMI COMML COMPLEX,PLAZA, FATEHABAD, AGRA, Agra, Uttar Pradesh.
Is IFSC IOBA0001433 valid for NEFT and RTGS?
Yes. IFSC IOBA0001433 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Overseas Bank Fatehabad Rd branch?
You can reach the branch at 2331057 during regular banking hours.
Can I use IFSC IOBA0001433 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001433 to send funds instantly.
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 Fatehabad Rd branch but serve different purposes.
Does Indian Overseas Bank Fatehabad Rd branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2331057 to confirm.
Is IFSC IOBA0001433 the same for all accounts at Fatehabad Rd branch?
Yes. The IFSC IOBA0001433 is shared by every account held at Indian Overseas Bank's Fatehabad Rd branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0001433 belongs to Indian Overseas Bank's FATEHABAD RD branch, located at 18 BY A8D1,LAXMI COMML COMPLEX,PLAZA, FATEHABAD, AGRA 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.
