Below are the complete branch details for Indian Overseas Bank, GHAZIPUR branch, located in GHAZIABAD, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0002860. 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 IOBA0002860 for Indian Overseas Bank – GHAZIPUR — 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 – GHAZIPUR is IOBA0002860. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002860 map to this branch in GHAZIABAD, UTTAR PRADESH.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ghazipur |
| IFSC Code | IOBA0002860 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 136 SAKLENABAD OPP JAIL GATE GHAZIPUR 233001 |
| City | Ghaziabad |
| District | Ghaziabad |
| State | Uttar Pradesh |
| STD Code | 44 |
| Phone | 28584896 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ghazipur branch in Ghaziabad. 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, IOBA0002860.
About the Ghazipur branch
The Ghazipur branch of Indian Overseas Bank is situated at 136 SAKLENABAD OPP JAIL GATE GHAZIPUR 233001. 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 IOBA0002860 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 GHAZIPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002860 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 IOBA0002860 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0002860
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 IOBA0002860 across all three.
NEFT to Indian Overseas Bank, GHAZIPUR using IFSC IOBA0002860
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 IOBA0002860, and confirm that the system picks up Indian Overseas Bank – GHAZIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GHAZIPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's GHAZIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002860 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – GHAZIPUR, use IMPS. With IFSC IOBA0002860 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 IOBA0002860 for Indian Overseas Bank – GHAZIPUR, 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 – IOBA0002860 | Yes – IOBA0002860 | Yes – IOBA0002860 |
For most retail customers crediting the Ghazipur 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.
UPI payments and IFSC IOBA0002860
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Overseas Bank – GHAZIPUR is still mapped to IFSC IOBA0002860. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IOBA0002860 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ghazipur branch is mapped to IFSC IOBA0002860 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 IOBA0002860.
Banking services available
The Ghazipur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- 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 IOBA0002860
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 IOBA0002860 and the account number together uniquely identify the Ghazipur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0002860
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the GHAZIPUR 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 IOBA0002860 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 IOBA0002860
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 – GHAZIPUR, 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:
IOBA0002860. - 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 Ghazipur branch
The branch is located at 136 SAKLENABAD OPP JAIL GATE GHAZIPUR 233001, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ghazipur branch” — the verified location pin for IFSC IOBA0002860 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0002860 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0002860 for Indian Overseas Bank – GHAZIPUR, 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.
Working hours
Branch counters at Ghazipur 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 IOBA0002860 continue to work without interruption.
Branch address & contact
Indian Overseas BankGhazipur Branch
136 SAKLENABAD OPP JAIL GATE GHAZIPUR 233001
Ghaziabad, Uttar Pradesh
Phone: 44-28584896
IFSC: IOBA0002860
Frequently asked questions
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 Ghazipur branch but serve different purposes.
Is IFSC IOBA0002860 the same for all accounts at Ghazipur branch?
Yes. The IFSC IOBA0002860 is shared by every account held at Indian Overseas Bank's Ghazipur branch. Only the account number changes from customer to customer.
Is IFSC IOBA0002860 valid for NEFT and RTGS?
Yes. IFSC IOBA0002860 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Ghazipur branch located?
Indian Overseas Bank's Ghazipur branch is located at 136 SAKLENABAD OPP JAIL GATE GHAZIPUR 233001, Ghaziabad, Uttar Pradesh.
How quickly will an NEFT transfer using IOBA0002860 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ghazipur reflect within 30 minutes.
Does Indian Overseas Bank Ghazipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Final notes
To recap: IOBA0002860 is the IFSC code of Indian Overseas Bank, GHAZIPUR branch, in GHAZIABAD, 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.
