IFSC Code of Indian Overseas Bank, Laxmi Nagar East Delhi Branch, Delhi

Use this page as a one-stop reference for everything related to Indian Overseas Bank's LAXMI NAGAR EAST DELHI branch in DELHI, DELHI. The branch's IFSC code IOBA0003952 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, IOBA0003952 is the IFSC of Indian Overseas Bank's LAXMI NAGAR EAST DELHI branch. The format is fixed: IOBA = bank code, 0 = reserved, 003952 = branch identifier.

Branch details at a glance

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Laxmi Nagar East Delhi branch — IFSC IOBA0003952 — extends the bank's services to customers in and around Delhi, Delhi.

Laxmi Nagar East Delhi branch overview

Located at C1 AND C2, GURUNANAK PURA, LAXMI NAGAR, DELHI - 110092, the Laxmi Nagar East Delhi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003952 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 LAXMI NAGAR EAST DELHI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003952 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 IOBA0003952 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 IOBA0003952

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 IOBA0003952 across all three.

How to use IFSC IOBA0003952 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's LAXMI NAGAR EAST DELHI 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0003952.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as LAXMI NAGAR EAST DELHI.
5. 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 LAXMI NAGAR EAST DELHI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's LAXMI NAGAR EAST DELHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003952 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank LAXMI NAGAR EAST DELHI (IFSC IOBA0003952)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003952 in your mobile or internet banking app, and the money is credited to the LAXMI NAGAR EAST DELHI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0003952 for Indian Overseas Bank – LAXMI NAGAR EAST DELHI, 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.

For most retail customers crediting the Laxmi Nagar East Delhi 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 IOBA0003952

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 – LAXMI NAGAR EAST DELHI is still mapped to IFSC IOBA0003952. 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 IOBA0003952 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Laxmi Nagar East Delhi branch is mapped to IFSC IOBA0003952 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 IOBA0003952.

Products and services

Customers walking into the Laxmi Nagar East Delhi 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 IOBA0003952

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 IOBA0003952 and the account number together uniquely identify the Laxmi Nagar East Delhi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IOBA0003952

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the LAXMI NAGAR EAST DELHI 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 IOBA0003952 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 – LAXMI NAGAR EAST DELHI:

• The IFSC is exactly IOBA0003952 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 LAXMI NAGAR EAST DELHI 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 Laxmi Nagar East Delhi branch

The branch is located at C1 AND C2, GURUNANAK PURA, LAXMI NAGAR, DELHI - 110092, which puts it inside Delhi, the broader Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Laxmi Nagar East Delhi branch” — the verified location pin for IFSC IOBA0003952 should appear at the top of the results.
2. Confirm the branch is open by calling 11-8608054458 before stepping out, especially around public holidays.
3. 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 IOBA0003952 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003952 for Indian Overseas Bank – LAXMI NAGAR EAST DELHI, 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 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 Laxmi Nagar East Delhi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003952, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0003952 is the IFSC code of Indian Overseas Bank, LAXMI NAGAR EAST DELHI branch, in DELHI, DELHI. 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.