If you are searching for the IFSC code of Indian Overseas Bank, GAURIGANJ AMETHI branch in AMETHI, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0003883. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GAURIGANJ AMETHI branch, and detailed step-by-step guides for using the IFSC IOBA0003883 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, IOBA0003883 is the IFSC of Indian Overseas Bank's GAURIGANJ AMETHI branch. The format is fixed: IOBA = bank code, 0 = reserved, 003883 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Gauriganj Amethi |
| IFSC Code | IOBA0003883 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AMARNATH COMPLEX, WARD NO 21, TEHSIL AREA, MADHAVPUR, GAURIGANJ, DISTRICT AMETHI, UTTAR PRADESH, PIN CODE 227409 |
| City | Amethi |
| District | Amethi |
| State | Uttar Pradesh |
| STD Code | 0 |
| Phone | 0 |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Gauriganj Amethi branch — IFSC IOBA0003883 — extends the bank's services to customers in and around Amethi, Uttar Pradesh.
About this branch
The branch is located at AMARNATH COMPLEX, WARD NO 21, TEHSIL AREA, MADHAVPUR, GAURIGANJ, DISTRICT AMETHI, UTTAR PRADESH, PIN CODE 227409. It serves the Amethi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0003883 is used to identify this branch on the RBI payments network.
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 GAURIGANJ AMETHI branch came to be assigned the code IOBA0003883.
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 IOBA0003883, money simply cannot be routed to the GAURIGANJ AMETHI branch electronically.
How to transfer money using IFSC IOBA0003883
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 IOBA0003883 across all three.
How to use IFSC IOBA0003883 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's GAURIGANJ AMETHI 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 IOBA0003883.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as GAURIGANJ AMETHI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0003883
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 – GAURIGANJ AMETHI, ensure your bank's portal accepts IFSC IOBA0003883 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank GAURIGANJ AMETHI (IFSC IOBA0003883)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003883 in your mobile or internet banking app, and the money is credited to the GAURIGANJ AMETHI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003883 for Indian Overseas Bank – GAURIGANJ AMETHI, 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 – IOBA0003883 | Yes – IOBA0003883 | Yes – IOBA0003883 |
For most retail customers crediting the Gauriganj Amethi 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.
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 GAURIGANJ AMETHI branch, the IFSC IOBA0003883 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.
Account types you can open at the Gauriganj Amethi branch
Once you have an account at Indian Overseas Bank – GAURIGANJ AMETHI, the IFSC IOBA0003883 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 Gauriganj Amethi 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 IOBA0003883
MICR & cheque-truncation details
Cheques drawn on the Gauriganj Amethi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003883 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Gauriganj Amethi 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 IOBA0003883 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.
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 – GAURIGANJ AMETHI:
- The IFSC is exactly IOBA0003883 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 GAURIGANJ AMETHI 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 Gauriganj Amethi branch
The branch is located at AMARNATH COMPLEX, WARD NO 21, TEHSIL AREA, MADHAVPUR, GAURIGANJ, DISTRICT AMETHI, UTTAR PRADESH, PIN CODE 227409, which puts it inside Amethi, the broader Amethi district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Gauriganj Amethi branch” — the verified location pin for IFSC IOBA0003883 should appear at the top of the results.
- Confirm the branch is open by calling 0 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 IOBA0003883 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003883 for Indian Overseas Bank – GAURIGANJ AMETHI, 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.
Working hours
Branch counters at Gauriganj Amethi are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IOBA0003883 continue to work without interruption.
Branch address & contact
Indian Overseas BankGauriganj Amethi Branch
AMARNATH COMPLEX, WARD NO 21, TEHSIL AREA, MADHAVPUR, GAURIGANJ, DISTRICT AMETHI, UTTAR PRADESH, PIN CODE 227409
Amethi, Uttar Pradesh
Phone: 0
IFSC: IOBA0003883
Frequently asked questions
What is the phone number of Indian Overseas Bank Gauriganj Amethi branch?
You can reach the branch at 0 during regular banking hours.
How do I add Indian Overseas Bank Gauriganj Amethi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003883, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Gauriganj Amethi branch but serve different purposes.
What is the IFSC code of Indian Overseas Bank Gauriganj Amethi branch?
The IFSC code of Indian Overseas Bank, Gauriganj Amethi branch is IOBA0003883. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0003883 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003883 to send funds instantly.
Is IFSC IOBA0003883 the same for all accounts at Gauriganj Amethi branch?
Yes. The IFSC IOBA0003883 is shared by every account held at Indian Overseas Bank's Gauriganj Amethi branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0003883 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Gauriganj Amethi reflect within 30 minutes.
Summary
The IFSC code IOBA0003883 belongs to Indian Overseas Bank's GAURIGANJ AMETHI branch, located at AMARNATH COMPLEX, WARD NO 21, TEHSIL AREA, MADHAVPUR, GAURIGANJ, DISTRICT… in AMETHI, 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.
