Below are the complete branch details for Indian Overseas Bank, JAHADA branch, located in ASKA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000986. 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 IOBA0000986 for Indian Overseas Bank – JAHADA — 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, IOBA0000986 is the IFSC of Indian Overseas Bank's JAHADA branch. The format is fixed: IOBA = bank code, 0 = reserved, 000986 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Jahada |
| IFSC Code | IOBA0000986 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT PO JAHADA,VIA DHARAKOTE,JAHADA,PIN 761107 |
| City | Aska |
| District | Ganjam |
| State | Odisha |
| STD Code | 6822 |
| Phone | 268136 |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jahada branch — IFSC IOBA0000986 — extends the bank's services to customers in and around Aska, Odisha.
About the Jahada branch
The Jahada branch of Indian Overseas Bank is situated at AT PO JAHADA,VIA DHARAKOTE,JAHADA,PIN 761107. 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 IOBA0000986 is used.
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 JAHADA branch came to be assigned the code IOBA0000986.
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 IOBA0000986, money simply cannot be routed to the JAHADA branch electronically.
How to transfer money using IFSC IOBA0000986
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 IOBA0000986 across all three.
How to use IFSC IOBA0000986 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's JAHADA 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 IOBA0000986.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as JAHADA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to JAHADA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's JAHADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000986 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank JAHADA (IFSC IOBA0000986)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000986 in your mobile or internet banking app, and the money is credited to the JAHADA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jahada
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 IOBA0000986:
- 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 JAHADA is still linked to IFSC IOBA0000986.
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 JAHADA branch, the IFSC IOBA0000986 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 Jahada branch is mapped to IFSC IOBA0000986 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 IOBA0000986.
Banking services available
The Jahada branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6822-268136.
- 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 IOBA0000986
MICR & cheque-truncation details
Cheques drawn on the Jahada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000986 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 Jahada 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 IOBA0000986 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 – JAHADA:
- The IFSC is exactly IOBA0000986 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 JAHADA 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 Jahada branch
The branch is located at AT PO JAHADA,VIA DHARAKOTE,JAHADA,PIN 761107, which puts it inside Aska, the broader Ganjam district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Jahada branch” — the verified location pin for IFSC IOBA0000986 should appear at the top of the results.
- Confirm the branch is open by calling 6822-268136 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 IOBA0000986 and your account number.
Verifying IFSC IOBA0000986 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 IOBA0000986 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6822-268136.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Jahada 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 IOBA0000986 continue to work without interruption.
Branch address & contact
Indian Overseas BankJahada Branch
AT PO JAHADA,VIA DHARAKOTE,JAHADA,PIN 761107
Aska, Odisha
Phone: 6822-268136
IFSC: IOBA0000986
Frequently asked questions
How do I add Indian Overseas Bank Jahada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000986, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0000986 valid for NEFT and RTGS?
Yes. IFSC IOBA0000986 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Overseas Bank Jahada branch?
You can reach the branch at 6822-268136 during regular banking hours.
Where is Indian Overseas Bank Jahada branch located?
Indian Overseas Bank's Jahada branch is located at AT PO JAHADA,VIA DHARAKOTE,JAHADA,PIN 761107, Aska, Odisha.
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 Jahada branch but serve different purposes.
Can I use IFSC IOBA0000986 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000986 to send funds instantly.
How quickly will an NEFT transfer using IOBA0000986 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Jahada reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Jahada branch?
The IFSC code of Indian Overseas Bank, Jahada branch is IOBA0000986. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: IOBA0000986 is the IFSC code of Indian Overseas Bank, JAHADA branch, in ASKA, ODISHA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
