Below are the complete branch details for Indian Overseas Bank, ARRAH branch, located in ARRAH, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0002382. 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 IOBA0002382 for Indian Overseas Bank – ARRAH — 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, IOBA0002382 is the IFSC of Indian Overseas Bank's ARRAH branch. The format is fixed: IOBA = bank code, 0 = reserved, 002382 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Arrah branch — IFSC IOBA0002382 — extends the bank's services to customers in and around Arrah, Bihar.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Arrah |
| IFSC Code | IOBA0002382 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAHARANA PRATAP NAGAR,NEW POLICE LINE ROAD,ARRAH |
| City | Arrah |
| District | Bhojpur |
| State | Bihar |
| Phone | 2232012 |
About this branch
The branch is located at MAHARANA PRATAP NAGAR,NEW POLICE LINE ROAD,ARRAH. It serves the Arrah 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 IOBA0002382 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 ARRAH branch came to be assigned the code IOBA0002382.
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 IOBA0002382, money simply cannot be routed to the ARRAH branch electronically.
Account types you can open at the Arrah branch
Once you have an account at Indian Overseas Bank – ARRAH, the IFSC IOBA0002382 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 Arrah 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 IOBA0002382
How to transfer money using IFSC IOBA0002382
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 IOBA0002382 across all three.
NEFT to Indian Overseas Bank, ARRAH using IFSC IOBA0002382
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 IOBA0002382, and confirm that the system picks up Indian Overseas Bank – ARRAH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002382
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 – ARRAH, ensure your bank's portal accepts IFSC IOBA0002382 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – ARRAH, use IMPS. With IFSC IOBA0002382 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 IOBA0002382 for Indian Overseas Bank – ARRAH, 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 – IOBA0002382 | Yes – IOBA0002382 | Yes – IOBA0002382 |
For most retail customers crediting the Arrah 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 IOBA0002382
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 – ARRAH is still mapped to IFSC IOBA0002382. 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 IOBA0002382 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0002382
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ARRAH 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 IOBA0002382 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 & cheque-truncation details
Cheques drawn on the Arrah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002382 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – ARRAH:
- The IFSC is exactly IOBA0002382 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 ARRAH 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 Arrah branch
The branch is located at MAHARANA PRATAP NAGAR,NEW POLICE LINE ROAD,ARRAH, which puts it inside Arrah, the broader Bhojpur district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Arrah branch” — the verified location pin for IFSC IOBA0002382 should appear at the top of the results.
- Confirm the branch is open by calling 2232012 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 IOBA0002382 and your account number.
Verifying IFSC IOBA0002382 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 IOBA0002382 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2232012.
- 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 Arrah branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002382, however, work 24x7.
Branch address & contact
Indian Overseas BankArrah Branch
MAHARANA PRATAP NAGAR,NEW POLICE LINE ROAD,ARRAH
Arrah, Bihar
Phone: 2232012
IFSC: IOBA0002382
Frequently asked questions
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 Arrah branch but serve different purposes.
Can I use IFSC IOBA0002382 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002382 to send funds instantly.
What is the phone number of Indian Overseas Bank Arrah branch?
You can reach the branch at 2232012 during regular banking hours.
How quickly will an NEFT transfer using IOBA0002382 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Arrah reflect within 30 minutes.
Where is Indian Overseas Bank Arrah branch located?
Indian Overseas Bank's Arrah branch is located at MAHARANA PRATAP NAGAR,NEW POLICE LINE ROAD,ARRAH, Arrah, Bihar.
What is the IFSC code of Indian Overseas Bank Arrah branch?
The IFSC code of Indian Overseas Bank, Arrah branch is IOBA0002382. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0002382 belongs to Indian Overseas Bank's ARRAH branch, located at MAHARANA PRATAP NAGAR,NEW POLICE LINE ROAD,ARRAH in ARRAH, BIHAR. 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.
