Below are the complete branch details for Indian Overseas Bank, CONTAI branch, located in CONTAI, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003621. 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 IOBA0003621 for Indian Overseas Bank – CONTAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – CONTAI is IOBA0003621. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003621 map to this branch in CONTAI, WEST BENGAL.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Contai branch in Contai. 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, IOBA0003621.
About this branch
The branch is located at SHERPUR ETWARIBAR CONTAI MACHEDA BYE PASS,PO CONTAI,DIST PURBA MEDINIPUR,WEST BENGAL 721401. It serves the Contai 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 IOBA0003621 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Contai |
| IFSC Code | IOBA0003621 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHERPUR ETWARIBAR CONTAI MACHEDA BYE PASS,PO CONTAI,DIST PURBA MEDINIPUR,WEST BENGAL 721401 |
| City | Contai |
| District | Purba Medinipur |
| State | West Bengal |
| STD Code | 33 |
| Phone | 22270611 |
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 CONTAI branch came to be assigned the code IOBA0003621.
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 IOBA0003621, money simply cannot be routed to the CONTAI branch electronically.
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 IOBA0003621 and the account number together uniquely identify the Contai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003621
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 IOBA0003621 across all three.
NEFT to Indian Overseas Bank, CONTAI using IFSC IOBA0003621
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 IOBA0003621, and confirm that the system picks up Indian Overseas Bank – CONTAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CONTAI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's CONTAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003621 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank CONTAI (IFSC IOBA0003621)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003621 in your mobile or internet banking app, and the money is credited to the CONTAI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Contai
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 IOBA0003621:
- 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 CONTAI is still linked to IFSC IOBA0003621.
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.
UPI payments and IFSC IOBA0003621
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 – CONTAI is still mapped to IFSC IOBA0003621. 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 IOBA0003621 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Contai branch is mapped to IFSC IOBA0003621 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 IOBA0003621.
Products and services
Customers walking into the Contai 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 IOBA0003621
Online banking and IFSC IOBA0003621
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the CONTAI 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 IOBA0003621 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.
How to reach the Contai branch
The branch is located at SHERPUR ETWARIBAR CONTAI MACHEDA BYE PASS,PO CONTAI,DIST PURBA MEDINIPUR,WEST BENGAL 721401, which puts it inside Contai, the broader Purba Medinipur district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Contai branch” — the verified location pin for IFSC IOBA0003621 should appear at the top of the results.
- Confirm the branch is open by calling 33-22270611 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 IOBA0003621 and your account number.
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 – CONTAI:
- The IFSC is exactly IOBA0003621 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 CONTAI 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.
Working hours
Branch counters at Contai 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 IOBA0003621 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003621 for Indian Overseas Bank – CONTAI, 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 address & contact
Indian Overseas BankContai Branch
SHERPUR ETWARIBAR CONTAI MACHEDA BYE PASS,PO CONTAI,DIST PURBA MEDINIPUR,WEST BENGAL 721401
Contai, West Bengal
Phone: 33-22270611
IFSC: IOBA0003621
Frequently asked questions
Is IFSC IOBA0003621 valid for NEFT and RTGS?
Yes. IFSC IOBA0003621 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Contai branch located?
Indian Overseas Bank's Contai branch is located at SHERPUR ETWARIBAR CONTAI MACHEDA BYE PASS,PO CONTAI,DIST PURBA MEDINIPUR,WEST BENGAL 721401, Contai, West Bengal.
How quickly will an NEFT transfer using IOBA0003621 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Contai reflect within 30 minutes.
How do I add Indian Overseas Bank Contai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003621, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Contai branch?
You can reach the branch at 33-22270611 during regular banking hours.
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 Contai branch but serve different purposes.
Summary
The IFSC code IOBA0003621 belongs to Indian Overseas Bank's CONTAI branch, located at SHERPUR ETWARIBAR CONTAI MACHEDA BYE PASS,PO CONTAI,DIST PURBA MEDINIPUR,WEST… in CONTAI, WEST BENGAL. 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.
