IFSC Code of Indian Overseas Bank, New Delhi Spm College Branch, Delhi

Use this page as a one-stop reference for everything related to Indian Overseas Bank's NEW DELHI SPM COLLEGE branch in DELHI, DELHI. The branch's IFSC code IOBA0001760 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.

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 NEW DELHI SPM COLLEGE branch, the IFSC IOBA0001760 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001760 identifies this particular branch.

Branch details at a glance

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its New Delhi Spm College branch in Delhi, Delhi is part of this network and uses the IFSC code IOBA0001760 for all electronic settlement.

About the New Delhi Spm College branch

The New Delhi Spm College branch of Indian Overseas Bank is situated at ROAD NO 57 WEST PUNJABI BAGH NEW DELHI PIN 10026. 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 IOBA0001760 is used.

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 NEW DELHI SPM COLLEGE branch came to be assigned the code IOBA0001760.

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 IOBA0001760, money simply cannot be routed to the NEW DELHI SPM COLLEGE branch electronically.

How to transfer money using IFSC IOBA0001760

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 IOBA0001760 across all three.

NEFT to Indian Overseas Bank, NEW DELHI SPM COLLEGE using IFSC IOBA0001760

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 IOBA0001760, and confirm that the system picks up Indian Overseas Bank – NEW DELHI SPM COLLEGE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NEW DELHI SPM COLLEGE

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's NEW DELHI SPM COLLEGE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001760 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 – NEW DELHI SPM COLLEGE, use IMPS. With IFSC IOBA0001760 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 IOBA0001760 for Indian Overseas Bank – NEW DELHI SPM COLLEGE, 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 New Delhi Spm College 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 IOBA0001760

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 – NEW DELHI SPM COLLEGE is still mapped to IFSC IOBA0001760. 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 IOBA0001760 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the New Delhi Spm College branch is mapped to IFSC IOBA0001760 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 IOBA0001760.

Products and services

Customers walking into the New Delhi Spm College 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 IOBA0001760

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 IOBA0001760 and the account number together uniquely identify the New Delhi Spm College branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IOBA0001760

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the NEW DELHI SPM COLLEGE 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 IOBA0001760 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 IOBA0001760

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 – NEW DELHI SPM COLLEGE, 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: IOBA0001760.
• 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 New Delhi Spm College branch sits at ROAD NO 57 WEST PUNJABI BAGH NEW DELHI PIN 10026. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call 25599196 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 IOBA0001760 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001760 for Indian Overseas Bank – NEW DELHI SPM COLLEGE, 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.

Working hours

Branch counters at New Delhi Spm College 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 IOBA0001760 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0001760 is the IFSC code of Indian Overseas Bank, NEW DELHI SPM COLLEGE 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.