IFSC Code of Indian Overseas Bank, Kolkata Julian Day School Branch, West Bengal

Below are the complete branch details for Indian Overseas Bank, KOLKATA JULIAN DAY SCHOOL branch, located in GANGANAGAR, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001772. 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 IOBA0001772 for Indian Overseas Bank – KOLKATA JULIAN DAY SCHOOL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KOLKATA JULIAN DAY SCHOOL is IOBA0001772. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001772 map to this branch in GANGANAGAR, WEST BENGAL.

Branch details at a glance

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kolkata Julian Day School branch — IFSC IOBA0001772 — extends the bank's services to customers in and around Ganganagar, West Bengal.

Kolkata Julian Day School branch overview

Located at JULIEN HALL HOSTEL JES GANGANAGAR 24 PARGANAS NORTH GANGANAGAR PIN 743250, the Kolkata Julian Day School branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001772 is required for all interbank electronic transfers routed through this branch.

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 KOLKATA JULIAN DAY SCHOOL branch came to be assigned the code IOBA0001772.

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 IOBA0001772, money simply cannot be routed to the KOLKATA JULIAN DAY SCHOOL branch electronically.

How to transfer money using IFSC IOBA0001772

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 IOBA0001772 across all three.

NEFT to Indian Overseas Bank, KOLKATA JULIAN DAY SCHOOL using IFSC IOBA0001772

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 IOBA0001772, and confirm that the system picks up Indian Overseas Bank – KOLKATA JULIAN DAY SCHOOL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOLKATA JULIAN DAY SCHOOL

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KOLKATA JULIAN DAY SCHOOL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001772 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank KOLKATA JULIAN DAY SCHOOL (IFSC IOBA0001772)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001772 in your mobile or internet banking app, and the money is credited to the KOLKATA JULIAN DAY SCHOOL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0001772 for Indian Overseas Bank – KOLKATA JULIAN DAY SCHOOL, 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 Kolkata Julian Day School 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 KOLKATA JULIAN DAY SCHOOL branch, the IFSC IOBA0001772 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 Kolkata Julian Day School branch is mapped to IFSC IOBA0001772 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 IOBA0001772.

Banking services available

The Kolkata Julian Day School branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-25383034.

• 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 IOBA0001772

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 IOBA0001772 and the account number together uniquely identify the Kolkata Julian Day School branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IOBA0001772

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KOLKATA JULIAN DAY SCHOOL 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 IOBA0001772 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 IOBA0001772

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 – KOLKATA JULIAN DAY SCHOOL, 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: IOBA0001772.
• 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 Kolkata Julian Day School branch sits at JULIEN HALL HOSTEL JES GANGANAGAR 24 PARGANAS NORTH GANGANAGAR PIN 743250. If you are travelling from outside Ganganagar, search for the branch on a maps application using the bank name and locality, or call 33-25383034 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 IOBA0001772 and your account number.

Verifying IFSC IOBA0001772 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 IOBA0001772 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-25383034.
• Visiting the bank's official branch locator page.

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 Kolkata Julian Day School branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001772, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0001772 is the IFSC code of Indian Overseas Bank, KOLKATA JULIAN DAY SCHOOL branch, in GANGANAGAR, WEST BENGAL. 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.