Use this page as a one-stop reference for everything related to Indian Overseas Bank's DEORIA branch in DEORIA, UTTAR PRADESH. The branch's IFSC code IOBA0003786 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, IOBA0003786 is the IFSC of Indian Overseas Bank's DEORIA branch. The format is fixed: IOBA = bank code, 0 = reserved, 003786 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Deoria branch in Deoria. 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, IOBA0003786.
About this branch
The branch is located at SHUKLA COMPLEX,NORTH OF HANUMAN MANDIR,CC ROAD DEORIA PIN 274001. It serves the Deoria 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 IOBA0003786 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Deoria |
| IFSC Code | IOBA0003786 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHUKLA COMPLEX,NORTH OF HANUMAN MANDIR,CC ROAD DEORIA PIN 274001 |
| City | Deoria |
| District | Deoria |
| State | Uttar Pradesh |
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 DEORIA branch came to be assigned the code IOBA0003786.
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 IOBA0003786, money simply cannot be routed to the DEORIA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Deoria branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003786 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0003786
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 IOBA0003786 across all three.
How to use IFSC IOBA0003786 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's DEORIA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0003786.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as DEORIA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0003786
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 – DEORIA, ensure your bank's portal accepts IFSC IOBA0003786 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank DEORIA (IFSC IOBA0003786)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003786 in your mobile or internet banking app, and the money is credited to the DEORIA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Deoria
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 IOBA0003786:
- 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 DEORIA is still linked to IFSC IOBA0003786.
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.
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 DEORIA branch, the IFSC IOBA0003786 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.
Products and account variants supported
Every account opened at the Deoria branch is mapped to IFSC IOBA0003786 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 IOBA0003786.
Banking services available
The Deoria branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 IOBA0003786
Digital banking channels
Most day-to-day work that customers used to do at the Deoria branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0003786 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Reaching the branch
The Deoria branch sits at SHUKLA COMPLEX,NORTH OF HANUMAN MANDIR,CC ROAD DEORIA PIN 274001. If you are travelling from outside Deoria, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 IOBA0003786 and your account number.
Common mistakes to avoid when using IFSC IOBA0003786
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 – DEORIA, 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:
IOBA0003786. - 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.
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 Deoria branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003786, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003786 for Indian Overseas Bank – DEORIA, 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 BankDeoria Branch
SHUKLA COMPLEX,NORTH OF HANUMAN MANDIR,CC ROAD DEORIA PIN 274001
Deoria, Uttar Pradesh
Phone: the branch contact number
IFSC: IOBA0003786
Frequently asked questions
Does Indian Overseas Bank Deoria branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the IFSC code of Indian Overseas Bank Deoria branch?
The IFSC code of Indian Overseas Bank, Deoria branch is IOBA0003786. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0003786 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003786 to send funds instantly.
What is the phone number of Indian Overseas Bank Deoria branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC IOBA0003786 the same for all accounts at Deoria branch?
Yes. The IFSC IOBA0003786 is shared by every account held at Indian Overseas Bank's Deoria branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0003786 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Deoria reflect within 30 minutes.
How do I add Indian Overseas Bank Deoria as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003786, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003786 valid for NEFT and RTGS?
Yes. IFSC IOBA0003786 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IOBA0003786 is the IFSC code of Indian Overseas Bank, DEORIA branch, in DEORIA, UTTAR PRADESH. 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.
