If you are searching for the IFSC code of Indian Overseas Bank, BAAGESHWAR branch in BAGESHWAR, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is IOBA0002900. 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 BAAGESHWAR branch, and detailed step-by-step guides for using the IFSC IOBA0002900 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, IOBA0002900 is the IFSC of Indian Overseas Bank's BAAGESHWAR branch. The format is fixed: IOBA = bank code, 0 = reserved, 002900 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Baageshwar branch — IFSC IOBA0002900 — extends the bank's services to customers in and around Bageshwar, Uttarakhand.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Baageshwar |
| IFSC Code | IOBA0002900 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TEHSIL ROAD,BAGESHWAR,DIST BAGESHWAR 263642 U K |
| City | Bageshwar |
| District | Bageshwar |
| State | Uttarakhand |
| STD Code | 44 |
| Phone | 28584896 |
About the Baageshwar branch
The Baageshwar branch of Indian Overseas Bank is situated at TEHSIL ROAD,BAGESHWAR,DIST BAGESHWAR 263642 U K. 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 IOBA0002900 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 BAAGESHWAR branch came to be assigned the code IOBA0002900.
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 IOBA0002900, money simply cannot be routed to the BAAGESHWAR branch electronically.
Products and account variants supported
Every account opened at the Baageshwar branch is mapped to IFSC IOBA0002900 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 IOBA0002900.
Banking services available
The Baageshwar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- 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 IOBA0002900
How to transfer money using IFSC IOBA0002900
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 IOBA0002900 across all three.
How to use IFSC IOBA0002900 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's BAAGESHWAR 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 IOBA0002900.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as BAAGESHWAR.
- 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 BAAGESHWAR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's BAAGESHWAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002900 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank BAAGESHWAR (IFSC IOBA0002900)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002900 in your mobile or internet banking app, and the money is credited to the BAAGESHWAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002900 for Indian Overseas Bank – BAAGESHWAR, 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 – IOBA0002900 | Yes – IOBA0002900 | Yes – IOBA0002900 |
For most retail customers crediting the Baageshwar 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 BAAGESHWAR branch, the IFSC IOBA0002900 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 Baageshwar 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 IOBA0002900 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 Baageshwar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002900 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 – BAAGESHWAR:
- The IFSC is exactly IOBA0002900 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 BAAGESHWAR 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 Baageshwar branch sits at TEHSIL ROAD,BAGESHWAR,DIST BAGESHWAR 263642 U K. If you are travelling from outside Bageshwar, 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 IOBA0002900 and your account number.
Verifying IFSC IOBA0002900 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 IOBA0002900 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- 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 Baageshwar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002900, however, work 24x7.
Branch address & contact
Indian Overseas BankBaageshwar Branch
TEHSIL ROAD,BAGESHWAR,DIST BAGESHWAR 263642 U K
Bageshwar, Uttarakhand
Phone: 44-28584896
IFSC: IOBA0002900
Frequently asked questions
How quickly will an NEFT transfer using IOBA0002900 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Baageshwar reflect within 30 minutes.
Is IFSC IOBA0002900 valid for NEFT and RTGS?
Yes. IFSC IOBA0002900 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Baageshwar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002900, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0002900 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002900 to send funds instantly.
Does Indian Overseas Bank Baageshwar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
What is the phone number of Indian Overseas Bank Baageshwar branch?
You can reach the branch at 44-28584896 during regular banking hours.
Summary
The IFSC code IOBA0002900 belongs to Indian Overseas Bank's BAAGESHWAR branch, located at TEHSIL ROAD,BAGESHWAR,DIST BAGESHWAR 263642 U K in BAGESHWAR, UTTARAKHAND. 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.
