Use this page as a one-stop reference for everything related to Indian Overseas Bank's ALLAHABAD branch in ALLAHABAD, UTTAR PRADESH. The branch's IFSC code IOBA0000350 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, IOBA0000350 is the IFSC of Indian Overseas Bank's ALLAHABAD branch. The format is fixed: IOBA = bank code, 0 = reserved, 000350 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Allahabad branch — IFSC IOBA0000350 — extends the bank's services to customers in and around Allahabad, Uttar Pradesh.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Allahabad |
| IFSC Code | IOBA0000350 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 61. MG ROAD, CIVIL LINES,ALLAHABAD, PIN 211001 |
| City | Allahabad |
| District | Allahabad |
| State | Uttar Pradesh |
| STD Code | 532 |
| Phone | 2408479 |
About the Allahabad branch
The Allahabad branch of Indian Overseas Bank is situated at 61. MG ROAD, CIVIL LINES,ALLAHABAD, PIN 211001. 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 IOBA0000350 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 ALLAHABAD of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000350 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 IOBA0000350 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Allahabad branch is mapped to IFSC IOBA0000350 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 IOBA0000350.
Banking services available
The Allahabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 532-2408479.
- 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 IOBA0000350
How to transfer money using IFSC IOBA0000350
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 IOBA0000350 across all three.
NEFT to Indian Overseas Bank, ALLAHABAD using IFSC IOBA0000350
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 IOBA0000350, and confirm that the system picks up Indian Overseas Bank – ALLAHABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ALLAHABAD
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's ALLAHABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000350 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – ALLAHABAD, use IMPS. With IFSC IOBA0000350 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000350 for Indian Overseas Bank – ALLAHABAD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IOBA0000350 | Yes – IOBA0000350 | Yes – IOBA0000350 |
For most retail customers crediting the Allahabad branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC IOBA0000350
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 – ALLAHABAD is still mapped to IFSC IOBA0000350. 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 IOBA0000350 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Allahabad branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0000350 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 IOBA0000350 and the account number together uniquely identify the Allahabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – ALLAHABAD:
- The IFSC is exactly IOBA0000350 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 ALLAHABAD 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 Allahabad branch
The branch is located at 61. MG ROAD, CIVIL LINES,ALLAHABAD, PIN 211001, which puts it inside Allahabad, the broader Allahabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Allahabad branch” — the verified location pin for IFSC IOBA0000350 should appear at the top of the results.
- Confirm the branch is open by calling 532-2408479 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 IOBA0000350 and your account number.
Verifying IFSC IOBA0000350 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 IOBA0000350 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 532-2408479.
- 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 Allahabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000350, however, work 24x7.
Branch address & contact
Indian Overseas BankAllahabad Branch
61. MG ROAD, CIVIL LINES,ALLAHABAD, PIN 211001
Allahabad, Uttar Pradesh
Phone: 532-2408479
IFSC: IOBA0000350
Frequently asked questions
How do I add Indian Overseas Bank Allahabad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000350, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Allahabad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 532-2408479 to confirm.
What is the IFSC code of Indian Overseas Bank Allahabad branch?
The IFSC code of Indian Overseas Bank, Allahabad branch is IOBA0000350. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000350 valid for NEFT and RTGS?
Yes. IFSC IOBA0000350 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Allahabad branch but serve different purposes.
Where is Indian Overseas Bank Allahabad branch located?
Indian Overseas Bank's Allahabad branch is located at 61. MG ROAD, CIVIL LINES,ALLAHABAD, PIN 211001, Allahabad, Uttar Pradesh.
Summary
The IFSC code IOBA0000350 belongs to Indian Overseas Bank's ALLAHABAD branch, located at 61. MG ROAD, CIVIL LINES,ALLAHABAD, PIN 211001 in ALLAHABAD, 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.
