If you are searching for the IFSC code of Indian Overseas Bank, ROOP NAGAR branch in DELHI, DELHI, this page has every detail you need. The verified IFSC code for this branch is IOBA0000349. 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 ROOP NAGAR branch, and detailed step-by-step guides for using the IFSC IOBA0000349 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 ROOP NAGAR branch, the IFSC IOBA0000349 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000349 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Roop Nagar |
| IFSC Code | IOBA0000349 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 2 BY 7, ROOP NAGAR, NEW DELHI - 110007 |
| City | Delhi |
| District | New Delhi |
| State | Delhi |
| Phone | 23842286 |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Roop Nagar branch — IFSC IOBA0000349 — extends the bank's services to customers in and around Delhi, Delhi.
About this branch
The branch is located at 2 BY 7, ROOP NAGAR, NEW DELHI - 110007. It serves the Delhi 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 IOBA0000349 is used to identify this branch on the RBI payments network.
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 ROOP NAGAR branch came to be assigned the code IOBA0000349.
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 IOBA0000349, money simply cannot be routed to the ROOP NAGAR branch electronically.
How to transfer money using IFSC IOBA0000349
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 IOBA0000349 across all three.
NEFT to Indian Overseas Bank, ROOP NAGAR using IFSC IOBA0000349
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 IOBA0000349, and confirm that the system picks up Indian Overseas Bank – ROOP NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0000349
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 – ROOP NAGAR, ensure your bank's portal accepts IFSC IOBA0000349 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank ROOP NAGAR (IFSC IOBA0000349)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000349 in your mobile or internet banking app, and the money is credited to the ROOP NAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000349 for Indian Overseas Bank – ROOP NAGAR, 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 – IOBA0000349 | Yes – IOBA0000349 | Yes – IOBA0000349 |
For most retail customers crediting the Roop Nagar 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 ROOP NAGAR branch, the IFSC IOBA0000349 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 Roop Nagar branch
Once you have an account at Indian Overseas Bank – ROOP NAGAR, the IFSC IOBA0000349 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.
Products and services
Customers walking into the Roop Nagar 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 IOBA0000349
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 IOBA0000349 and the account number together uniquely identify the Roop Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0000349
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ROOP NAGAR 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 IOBA0000349 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 IOBA0000349
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 – ROOP NAGAR, 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:
IOBA0000349. - 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.
How to reach the Roop Nagar branch
The branch is located at 2 BY 7, ROOP NAGAR, NEW DELHI - 110007, which puts it inside Delhi, the broader New Delhi district, and the state of Delhi. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Roop Nagar branch” — the verified location pin for IFSC IOBA0000349 should appear at the top of the results.
- Confirm the branch is open by calling 23842286 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 IOBA0000349 and your account number.
Verifying IFSC IOBA0000349 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 IOBA0000349 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 23842286.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Roop Nagar 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 IOBA0000349 continue to work without interruption.
Branch address & contact
Indian Overseas BankRoop Nagar Branch
2 BY 7, ROOP NAGAR, NEW DELHI - 110007
Delhi, Delhi
Phone: 23842286
IFSC: IOBA0000349
Frequently asked questions
Can I use IFSC IOBA0000349 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000349 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Roop Nagar branch?
The IFSC code of Indian Overseas Bank, Roop Nagar branch is IOBA0000349. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Overseas Bank Roop Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000349, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Roop Nagar branch but serve different purposes.
Is IFSC IOBA0000349 the same for all accounts at Roop Nagar branch?
Yes. The IFSC IOBA0000349 is shared by every account held at Indian Overseas Bank's Roop Nagar branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0000349 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Roop Nagar reflect within 30 minutes.
Final notes
To recap: IOBA0000349 is the IFSC code of Indian Overseas Bank, ROOP NAGAR 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.
