If you are searching for the IFSC code of Indian Overseas Bank, DHANAPUR branch in DHANAPUR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0003446. 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 DHANAPUR branch, and detailed step-by-step guides for using the IFSC IOBA0003446 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 – DHANAPUR is IOBA0003446. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003446 map to this branch in DHANAPUR, UTTAR PRADESH.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Dhanapur branch in Dhanapur, Uttar Pradesh is part of this network and uses the IFSC code IOBA0003446 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Dhanapur |
| IFSC Code | IOBA0003446 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DHANAPUR VILL/POST,CHANDAULI DIST-232105 |
| City | Dhanapur |
| District | Chandauli |
| State | Uttar Pradesh |
| STD Code | 452 |
| Phone | 2220625 |
About the Dhanapur branch
The Dhanapur branch of Indian Overseas Bank is situated at DHANAPUR VILL/POST,CHANDAULI DIST-232105. 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 IOBA0003446 is used.
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 DHANAPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003446 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 IOBA0003446 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Dhanapur branch is mapped to IFSC IOBA0003446 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 IOBA0003446.
Products and services
Customers walking into the Dhanapur 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 IOBA0003446
How to transfer money using IFSC IOBA0003446
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 IOBA0003446 across all three.
How to use IFSC IOBA0003446 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's DHANAPUR 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 IOBA0003446.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as DHANAPUR.
- 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 DHANAPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's DHANAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003446 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank DHANAPUR (IFSC IOBA0003446)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003446 in your mobile or internet banking app, and the money is credited to the DHANAPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003446 for Indian Overseas Bank – DHANAPUR, 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 – IOBA0003446 | Yes – IOBA0003446 | Yes – IOBA0003446 |
For most retail customers crediting the Dhanapur 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 DHANAPUR branch, the IFSC IOBA0003446 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.
Online banking and IFSC IOBA0003446
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the DHANAPUR 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 IOBA0003446 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.
MICR & cheque-truncation details
Cheques drawn on the Dhanapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003446 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0003446
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 – DHANAPUR, 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:
IOBA0003446. - 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 Dhanapur branch
The branch is located at DHANAPUR VILL/POST,CHANDAULI DIST-232105, which puts it inside Dhanapur, the broader Chandauli district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Dhanapur branch” — the verified location pin for IFSC IOBA0003446 should appear at the top of the results.
- Confirm the branch is open by calling 452-2220625 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 IOBA0003446 and your account number.
Verifying IFSC IOBA0003446 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 IOBA0003446 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 452-2220625.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Dhanapur 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 IOBA0003446 continue to work without interruption.
Branch address & contact
Indian Overseas BankDhanapur Branch
DHANAPUR VILL/POST,CHANDAULI DIST-232105
Dhanapur, Uttar Pradesh
Phone: 452-2220625
IFSC: IOBA0003446
Frequently asked questions
Does Indian Overseas Bank Dhanapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 452-2220625 to confirm.
Where is Indian Overseas Bank Dhanapur branch located?
Indian Overseas Bank's Dhanapur branch is located at DHANAPUR VILL/POST,CHANDAULI DIST-232105, Dhanapur, Uttar Pradesh.
Is IFSC IOBA0003446 valid for NEFT and RTGS?
Yes. IFSC IOBA0003446 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IOBA0003446 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003446 to send funds instantly.
Is IFSC IOBA0003446 the same for all accounts at Dhanapur branch?
Yes. The IFSC IOBA0003446 is shared by every account held at Indian Overseas Bank's Dhanapur branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Dhanapur branch?
The IFSC code of Indian Overseas Bank, Dhanapur branch is IOBA0003446. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: IOBA0003446 is the IFSC code of Indian Overseas Bank, DHANAPUR branch, in DHANAPUR, 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.
