This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, MANCHESWAR branch in BHUBANESWAR. The 11-digit IFSC IOBA0000915 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 MANCHESWAR 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 – MANCHESWAR is IOBA0000915. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000915 map to this branch in BHUBANESWAR, ODISHA.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mancheswar branch — IFSC IOBA0000915 — extends the bank's services to customers in and around Bhubaneswar, Odisha.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Mancheswar |
| IFSC Code | IOBA0000915 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KRIYA YOGA ASHRAM COMPLEX,BHUBANESHWAR |
| City | Bhubaneswar |
| District | Khurda |
| State | Odisha |
| Phone | 2588641 |
About this branch
The branch is located at KRIYA YOGA ASHRAM COMPLEX,BHUBANESHWAR. It serves the Bhubaneswar 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 IOBA0000915 is used to identify this branch on the RBI payments network.
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 MANCHESWAR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000915 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 IOBA0000915 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Mancheswar branch
Once you have an account at Indian Overseas Bank – MANCHESWAR, the IFSC IOBA0000915 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 Mancheswar 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 IOBA0000915
How to transfer money using IFSC IOBA0000915
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 IOBA0000915 across all three.
How to use IFSC IOBA0000915 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's MANCHESWAR 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 IOBA0000915.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as MANCHESWAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000915
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 – MANCHESWAR, ensure your bank's portal accepts IFSC IOBA0000915 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – MANCHESWAR, use IMPS. With IFSC IOBA0000915 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Mancheswar
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 IOBA0000915:
- 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 MANCHESWAR is still linked to IFSC IOBA0000915.
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 MANCHESWAR branch, the IFSC IOBA0000915 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 Mancheswar 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 IOBA0000915 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 IOBA0000915 and the account number together uniquely identify the Mancheswar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0000915
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Overseas Bank – MANCHESWAR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IOBA0000915. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Mancheswar branch
The branch is located at KRIYA YOGA ASHRAM COMPLEX,BHUBANESHWAR, which puts it inside Bhubaneswar, the broader Khurda district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Mancheswar branch” — the verified location pin for IFSC IOBA0000915 should appear at the top of the results.
- Confirm the branch is open by calling 2588641 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 IOBA0000915 and your account number.
Verifying IFSC IOBA0000915 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 IOBA0000915 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2588641.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mancheswar 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 IOBA0000915 continue to work without interruption.
Branch address & contact
Indian Overseas BankMancheswar Branch
KRIYA YOGA ASHRAM COMPLEX,BHUBANESHWAR
Bhubaneswar, Odisha
Phone: 2588641
IFSC: IOBA0000915
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Mancheswar branch?
The IFSC code of Indian Overseas Bank, Mancheswar branch is IOBA0000915. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000915 the same for all accounts at Mancheswar branch?
Yes. The IFSC IOBA0000915 is shared by every account held at Indian Overseas Bank's Mancheswar branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0000915 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Mancheswar reflect within 30 minutes.
Can I use IFSC IOBA0000915 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000915 to send funds instantly.
How do I add Indian Overseas Bank Mancheswar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000915, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Mancheswar branch located?
Indian Overseas Bank's Mancheswar branch is located at KRIYA YOGA ASHRAM COMPLEX,BHUBANESHWAR, Bhubaneswar, Odisha.
What is the phone number of Indian Overseas Bank Mancheswar branch?
You can reach the branch at 2588641 during regular banking hours.
Summary
The IFSC code IOBA0000915 belongs to Indian Overseas Bank's MANCHESWAR branch, located at KRIYA YOGA ASHRAM COMPLEX,BHUBANESHWAR in BHUBANESWAR, ODISHA. 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.
