Below are the complete branch details for Indian Overseas Bank, BHALKI branch, located in BHALKI, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003200. 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 IOBA0003200 for Indian Overseas Bank – BHALKI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's BHALKI branch, the IFSC IOBA0003200 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003200 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhalki branch in Bhalki, Karnataka is part of this network and uses the IFSC code IOBA0003200 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Bhalki |
| IFSC Code | IOBA0003200 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SRI CHANNABASAVA COMMERCIAL COMPLEX,NEAR TALUKA OFFICE,BHALKI TOWN,BHALKI TK,BIDAR DIST 585328 |
| City | Bhalki |
| District | Bidar |
| State | Karnataka |
| STD Code | 44 |
| Phone | 28584896 |
About the Bhalki branch
The Bhalki branch of Indian Overseas Bank is situated at SRI CHANNABASAVA COMMERCIAL COMPLEX,NEAR TALUKA OFFICE,BHALKI TOWN,BHALKI TK,BIDAR DIST 585328. 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 IOBA0003200 is used.
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 BHALKI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003200 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 IOBA0003200 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 Bhalki branch is mapped to IFSC IOBA0003200 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 IOBA0003200.
Products and services
Customers walking into the Bhalki 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 IOBA0003200
How to transfer money using IFSC IOBA0003200
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 IOBA0003200 across all three.
NEFT to Indian Overseas Bank, BHALKI using IFSC IOBA0003200
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 IOBA0003200, and confirm that the system picks up Indian Overseas Bank – BHALKI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003200
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 – BHALKI, ensure your bank's portal accepts IFSC IOBA0003200 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – BHALKI, use IMPS. With IFSC IOBA0003200 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 IOBA0003200 for Indian Overseas Bank – BHALKI, 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 – IOBA0003200 | Yes – IOBA0003200 | Yes – IOBA0003200 |
For most retail customers crediting the Bhalki 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 IOBA0003200
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 – BHALKI is still mapped to IFSC IOBA0003200. 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 IOBA0003200 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Bhalki 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 IOBA0003200 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 code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Overseas Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IOBA0003200 and the account number together uniquely identify the Bhalki branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – BHALKI:
- The IFSC is exactly IOBA0003200 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 BHALKI 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 Bhalki branch
The branch is located at SRI CHANNABASAVA COMMERCIAL COMPLEX,NEAR TALUKA OFFICE,BHALKI TOWN,BHALKI TK,BIDAR DIST 585328, which puts it inside Bhalki, the broader Bidar district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Bhalki branch” — the verified location pin for IFSC IOBA0003200 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0003200 and your account number.
Verifying IFSC IOBA0003200 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 IOBA0003200 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 Bhalki branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003200, however, work 24x7.
Branch address & contact
Indian Overseas BankBhalki Branch
SRI CHANNABASAVA COMMERCIAL COMPLEX,NEAR TALUKA OFFICE,BHALKI TOWN,BHALKI TK,BIDAR DIST 585328
Bhalki, Karnataka
Phone: 44-28584896
IFSC: IOBA0003200
Frequently asked questions
What is the phone number of Indian Overseas Bank Bhalki branch?
You can reach the branch at 44-28584896 during regular banking hours.
Is IFSC IOBA0003200 the same for all accounts at Bhalki branch?
Yes. The IFSC IOBA0003200 is shared by every account held at Indian Overseas Bank's Bhalki branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Bhalki branch located?
Indian Overseas Bank's Bhalki branch is located at SRI CHANNABASAVA COMMERCIAL COMPLEX,NEAR TALUKA OFFICE,BHALKI TOWN,BHALKI TK,BIDAR DIST 585328, Bhalki, Karnataka.
How do I add Indian Overseas Bank Bhalki as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003200, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Bhalki branch?
The IFSC code of Indian Overseas Bank, Bhalki branch is IOBA0003200. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0003200 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003200 to send funds instantly.
How quickly will an NEFT transfer using IOBA0003200 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Bhalki reflect within 30 minutes.
Is IFSC IOBA0003200 valid for NEFT and RTGS?
Yes. IFSC IOBA0003200 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IOBA0003200 belongs to Indian Overseas Bank's BHALKI branch, located at SRI CHANNABASAVA COMMERCIAL COMPLEX,NEAR TALUKA OFFICE,BHALKI TOWN,BHALKI… in BHALKI, KARNATAKA. 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.
