Below are the complete branch details for Indian Overseas Bank, FATEHPUR branch, located in FATEHPUR, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0002990. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0002990 for Indian Overseas Bank – FATEHPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 FATEHPUR branch, the IFSC IOBA0002990 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002990 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Fatehpur branch in Fatehpur. 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, IOBA0002990.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Fatehpur |
| IFSC Code | IOBA0002990 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 176 BY 154C,KRISHNA TOWER COLLECTORGANJ,FATEHPUR,UP 212601 |
| City | Fatehpur |
| District | Fatehpur |
| State | Uttar Pradesh |
| STD Code | 522 |
| Phone | 2287164 |
About the Fatehpur branch
The Fatehpur branch of Indian Overseas Bank is situated at 176 BY 154C,KRISHNA TOWER COLLECTORGANJ,FATEHPUR,UP 212601. 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 IOBA0002990 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 FATEHPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002990 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 IOBA0002990 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Fatehpur branch
Once you have an account at Indian Overseas Bank – FATEHPUR, the IFSC IOBA0002990 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 Fatehpur 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 IOBA0002990
How to transfer money using IFSC IOBA0002990
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 IOBA0002990 across all three.
How to use IFSC IOBA0002990 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's FATEHPUR 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 IOBA0002990.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as FATEHPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0002990
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 – FATEHPUR, ensure your bank's portal accepts IFSC IOBA0002990 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – FATEHPUR, use IMPS. With IFSC IOBA0002990 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 IOBA0002990 for Indian Overseas Bank – FATEHPUR, 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 – IOBA0002990 | Yes – IOBA0002990 | Yes – IOBA0002990 |
For most retail customers crediting the Fatehpur 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 FATEHPUR branch, the IFSC IOBA0002990 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.
Digital banking channels
Most day-to-day work that customers used to do at the Fatehpur 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 IOBA0002990 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.
MICR & cheque-truncation details
Cheques drawn on the Fatehpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002990 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – FATEHPUR:
- The IFSC is exactly IOBA0002990 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 FATEHPUR 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 Fatehpur branch
The branch is located at 176 BY 154C,KRISHNA TOWER COLLECTORGANJ,FATEHPUR,UP 212601, which puts it inside Fatehpur, the broader Fatehpur district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Fatehpur branch” — the verified location pin for IFSC IOBA0002990 should appear at the top of the results.
- Confirm the branch is open by calling 522-2287164 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 IOBA0002990 and your account number.
Verifying IFSC IOBA0002990 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 IOBA0002990 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 522-2287164.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Fatehpur 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 IOBA0002990 continue to work without interruption.
Branch address & contact
Indian Overseas BankFatehpur Branch
176 BY 154C,KRISHNA TOWER COLLECTORGANJ,FATEHPUR,UP 212601
Fatehpur, Uttar Pradesh
Phone: 522-2287164
IFSC: IOBA0002990
Frequently asked questions
What is the phone number of Indian Overseas Bank Fatehpur branch?
You can reach the branch at 522-2287164 during regular banking hours.
Is IFSC IOBA0002990 valid for NEFT and RTGS?
Yes. IFSC IOBA0002990 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Fatehpur branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0002990 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Fatehpur reflect within 30 minutes.
Where is Indian Overseas Bank Fatehpur branch located?
Indian Overseas Bank's Fatehpur branch is located at 176 BY 154C,KRISHNA TOWER COLLECTORGANJ,FATEHPUR,UP 212601, Fatehpur, Uttar Pradesh.
Can I use IFSC IOBA0002990 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002990 to send funds instantly.
Summary
The IFSC code IOBA0002990 belongs to Indian Overseas Bank's FATEHPUR branch, located at 176 BY 154C,KRISHNA TOWER COLLECTORGANJ,FATEHPUR,UP 212601 in FATEHPUR, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
