IFSC Code of Indian Overseas Bank, Uttar Bagdogra Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, UTTAR BAGDOGRA branch in BAGDOGRA. The 11-digit IFSC IOBA0003457 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the UTTAR BAGDOGRA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Indian Overseas Bank – UTTAR BAGDOGRA is IOBA0003457. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003457 map to this branch in BAGDOGRA, WEST BENGAL.

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the Uttar Bagdogra branch in Bagdogra. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0003457.

Branch details at a glance

Uttar Bagdogra branch overview

Located at UTTAR BAGDOGRA BRANCH PANIGHATA MORE P.O. BAGDOGRA DIST. DARJEELING PIN- 734014, the Uttar Bagdogra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003457 is required for all interbank electronic transfers routed through this branch.

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 UTTAR BAGDOGRA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003457 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 IOBA0003457 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 Uttar Bagdogra branch is mapped to IFSC IOBA0003457 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 IOBA0003457.

Products and services

Customers walking into the Uttar Bagdogra 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 IOBA0003457

How to transfer money using IFSC IOBA0003457

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 IOBA0003457 across all three.

NEFT to Indian Overseas Bank, UTTAR BAGDOGRA using IFSC IOBA0003457

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 IOBA0003457, and confirm that the system picks up Indian Overseas Bank – UTTAR BAGDOGRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UTTAR BAGDOGRA

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's UTTAR BAGDOGRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003457 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank UTTAR BAGDOGRA (IFSC IOBA0003457)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003457 in your mobile or internet banking app, and the money is credited to the UTTAR BAGDOGRA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Uttar Bagdogra

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 IOBA0003457:

• 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 UTTAR BAGDOGRA is still linked to IFSC IOBA0003457.

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 UTTAR BAGDOGRA branch, the IFSC IOBA0003457 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.

Digital banking channels

Most day-to-day work that customers used to do at the Uttar Bagdogra 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 IOBA0003457 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 & cheque-truncation details

Cheques drawn on the Uttar Bagdogra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003457 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 – UTTAR BAGDOGRA:

• The IFSC is exactly IOBA0003457 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 UTTAR BAGDOGRA 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.

Reaching the branch

The Uttar Bagdogra branch sits at UTTAR BAGDOGRA BRANCH PANIGHATA MORE P.O. BAGDOGRA DIST. DARJEELING PIN- 734014. If you are travelling from outside Bagdogra, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0003457 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003457 for Indian Overseas Bank – UTTAR BAGDOGRA, 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 Uttar Bagdogra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003457, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0003457 is the IFSC code of Indian Overseas Bank, UTTAR BAGDOGRA branch, in BAGDOGRA, WEST BENGAL. 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.