If you are searching for the IFSC code of Indian Overseas Bank, NIMKHERA branch in BULANDSHAHR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0003085. 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 NIMKHERA branch, and detailed step-by-step guides for using the IFSC IOBA0003085 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.
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 NIMKHERA branch, the IFSC IOBA0003085 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003085 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Nimkhera |
| IFSC Code | IOBA0003085 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGE NIMKHERA POST BULANDSHAHR DT BULANDSHAHR UTTAR PRADESH 203001 |
| City | Bulandshahr |
| District | Bulandshahr |
| State | Uttar Pradesh |
| STD Code | 44 |
| Phone | 28584896 |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Nimkhera branch — IFSC IOBA0003085 — extends the bank's services to customers in and around Bulandshahr, Uttar Pradesh.
About the Nimkhera branch
The Nimkhera branch of Indian Overseas Bank is situated at VILLAGE NIMKHERA POST BULANDSHAHR DT BULANDSHAHR UTTAR PRADESH 203001. 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 IOBA0003085 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 NIMKHERA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003085 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 IOBA0003085 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0003085
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 IOBA0003085 across all three.
How to use IFSC IOBA0003085 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's NIMKHERA 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 IOBA0003085.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as NIMKHERA.
- 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 NIMKHERA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's NIMKHERA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003085 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – NIMKHERA, use IMPS. With IFSC IOBA0003085 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 Nimkhera
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 IOBA0003085:
- 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 NIMKHERA is still linked to IFSC IOBA0003085.
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 NIMKHERA branch, the IFSC IOBA0003085 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 Nimkhera branch is mapped to IFSC IOBA0003085 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 IOBA0003085.
Banking services available
The Nimkhera 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 IOBA0003085
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 IOBA0003085 and the account number together uniquely identify the Nimkhera branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0003085
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the NIMKHERA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IOBA0003085 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
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 – NIMKHERA:
- The IFSC is exactly IOBA0003085 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 NIMKHERA 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 Nimkhera branch sits at VILLAGE NIMKHERA POST BULANDSHAHR DT BULANDSHAHR UTTAR PRADESH 203001. If you are travelling from outside Bulandshahr, 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 IOBA0003085 and your account number.
Verifying IFSC IOBA0003085 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 IOBA0003085 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.
Working hours
Branch counters at Nimkhera 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 IOBA0003085 continue to work without interruption.
Branch address & contact
Indian Overseas BankNimkhera Branch
VILLAGE NIMKHERA POST BULANDSHAHR DT BULANDSHAHR UTTAR PRADESH 203001
Bulandshahr, Uttar Pradesh
Phone: 44-28584896
IFSC: IOBA0003085
Frequently asked questions
Where is Indian Overseas Bank Nimkhera branch located?
Indian Overseas Bank's Nimkhera branch is located at VILLAGE NIMKHERA POST BULANDSHAHR DT BULANDSHAHR UTTAR PRADESH 203001, Bulandshahr, Uttar Pradesh.
Is IFSC IOBA0003085 valid for NEFT and RTGS?
Yes. IFSC IOBA0003085 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0003085 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Nimkhera reflect within 30 minutes.
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 Nimkhera branch but serve different purposes.
Can I use IFSC IOBA0003085 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003085 to send funds instantly.
How do I add Indian Overseas Bank Nimkhera as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003085, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003085 the same for all accounts at Nimkhera branch?
Yes. The IFSC IOBA0003085 is shared by every account held at Indian Overseas Bank's Nimkhera branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Nimkhera branch?
The IFSC code of Indian Overseas Bank, Nimkhera branch is IOBA0003085. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0003085 belongs to Indian Overseas Bank's NIMKHERA branch, located at VILLAGE NIMKHERA POST BULANDSHAHR DT BULANDSHAHR UTTAR PRADESH 203001 in BULANDSHAHR, UTTAR PRADESH. 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.
