If you are searching for the IFSC code of Indian Overseas Bank, DEHRADUN HARIDWAR ROAD branch in DEHRADUN, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is IOBA0001489. 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 DEHRADUN HARIDWAR ROAD branch, and detailed step-by-step guides for using the IFSC IOBA0001489 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.
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 – DEHRADUN HARIDWAR ROAD is IOBA0001489. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001489 map to this branch in DEHRADUN, UTTARAKHAND.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Dehradun Haridwar Road |
| IFSC Code | IOBA0001489 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 160,NEHRU COLONY,DEHRADUN,248001 |
| City | Dehradun |
| District | Dehra Dun |
| State | Uttarakhand |
| STD Code | 0 |
| Phone | 2671810 |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Dehradun Haridwar Road branch — IFSC IOBA0001489 — extends the bank's services to customers in and around Dehradun, Uttarakhand.
Dehradun Haridwar Road branch overview
Located at 160,NEHRU COLONY,DEHRADUN,248001, the Dehradun Haridwar Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001489 is required for all interbank electronic transfers routed through this branch.
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 DEHRADUN HARIDWAR ROAD of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001489 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 IOBA0001489 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 IOBA0001489
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 IOBA0001489 across all three.
NEFT to Indian Overseas Bank, DEHRADUN HARIDWAR ROAD using IFSC IOBA0001489
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 IOBA0001489, and confirm that the system picks up Indian Overseas Bank – DEHRADUN HARIDWAR ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0001489
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 – DEHRADUN HARIDWAR ROAD, ensure your bank's portal accepts IFSC IOBA0001489 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – DEHRADUN HARIDWAR ROAD, use IMPS. With IFSC IOBA0001489 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 IOBA0001489 for Indian Overseas Bank – DEHRADUN HARIDWAR ROAD, 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 – IOBA0001489 | Yes – IOBA0001489 | Yes – IOBA0001489 |
For most retail customers crediting the Dehradun Haridwar Road 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 DEHRADUN HARIDWAR ROAD branch, the IFSC IOBA0001489 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.
Account types you can open at the Dehradun Haridwar Road branch
Once you have an account at Indian Overseas Bank – DEHRADUN HARIDWAR ROAD, the IFSC IOBA0001489 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.
Banking services available
The Dehradun Haridwar Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2671810.
- 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 IOBA0001489
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 IOBA0001489 and the account number together uniquely identify the Dehradun Haridwar Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0001489
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the DEHRADUN HARIDWAR ROAD 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 IOBA0001489 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.
Common mistakes to avoid when using IFSC IOBA0001489
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 – DEHRADUN HARIDWAR ROAD, 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:
IOBA0001489. - 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.
Reaching the branch
The Dehradun Haridwar Road branch sits at 160,NEHRU COLONY,DEHRADUN,248001. If you are travelling from outside Dehradun, search for the branch on a maps application using the bank name and locality, or call 2671810 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 IOBA0001489 and your account number.
Verifying IFSC IOBA0001489 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 IOBA0001489 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2671810.
- 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 Dehradun Haridwar Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001489, however, work 24x7.
Branch address & contact
Indian Overseas BankDehradun Haridwar Road Branch
160,NEHRU COLONY,DEHRADUN,248001
Dehradun, Uttarakhand
Phone: 2671810
IFSC: IOBA0001489
Frequently asked questions
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 Dehradun Haridwar Road branch but serve different purposes.
What is the IFSC code of Indian Overseas Bank Dehradun Haridwar Road branch?
The IFSC code of Indian Overseas Bank, Dehradun Haridwar Road branch is IOBA0001489. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Overseas Bank Dehradun Haridwar Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001489, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0001489 the same for all accounts at Dehradun Haridwar Road branch?
Yes. The IFSC IOBA0001489 is shared by every account held at Indian Overseas Bank's Dehradun Haridwar Road branch. Only the account number changes from customer to customer.
Is IFSC IOBA0001489 valid for NEFT and RTGS?
Yes. IFSC IOBA0001489 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0001489 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Dehradun Haridwar Road reflect within 30 minutes.
Can I use IFSC IOBA0001489 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001489 to send funds instantly.
Final notes
To recap: IOBA0001489 is the IFSC code of Indian Overseas Bank, DEHRADUN HARIDWAR ROAD branch, in DEHRADUN, UTTARAKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
