IFSC Code of Indian Overseas Bank, Stjoseph School Civil Lines Branch, Uttar Pradesh

Below are the complete branch details for Indian Overseas Bank, STJOSEPH SCHOOL CIVIL LINES branch, located in GORAKHPUR, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001972. 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 IOBA0001972 for Indian Overseas Bank – STJOSEPH SCHOOL CIVIL LINES — 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 STJOSEPH SCHOOL CIVIL LINES branch, the IFSC IOBA0001972 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001972 identifies this particular branch.

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Stjoseph School Civil Lines branch in Gorakhpur, Uttar Pradesh is part of this network and uses the IFSC code IOBA0001972 for all electronic settlement.

About the Stjoseph School Civil Lines branch

The Stjoseph School Civil Lines branch of Indian Overseas Bank is situated at CIVIL LINES,GORAKHPUR,GORAKHPUR,PIN 273009. 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 IOBA0001972 is used.

Branch details at a glance

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 STJOSEPH SCHOOL CIVIL LINES of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001972 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 IOBA0001972 the same way you would treat your account number — verify it once and save it carefully for future use.

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 IOBA0001972 and the account number together uniquely identify the Stjoseph School Civil Lines branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IOBA0001972

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 IOBA0001972 across all three.

How to use IFSC IOBA0001972 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's STJOSEPH SCHOOL CIVIL LINES 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0001972.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as STJOSEPH SCHOOL CIVIL LINES.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IOBA0001972

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 – STJOSEPH SCHOOL CIVIL LINES, ensure your bank's portal accepts IFSC IOBA0001972 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank STJOSEPH SCHOOL CIVIL LINES (IFSC IOBA0001972)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001972 in your mobile or internet banking app, and the money is credited to the STJOSEPH SCHOOL CIVIL LINES branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Stjoseph School Civil Lines

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 IOBA0001972:

• 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 STJOSEPH SCHOOL CIVIL LINES is still linked to IFSC IOBA0001972.

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 STJOSEPH SCHOOL CIVIL LINES branch, the IFSC IOBA0001972 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 Stjoseph School Civil Lines branch is mapped to IFSC IOBA0001972 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 IOBA0001972.

Banking services available

The Stjoseph School Civil Lines branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 551-2334890.

• 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 IOBA0001972

Online banking and IFSC IOBA0001972

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the STJOSEPH SCHOOL CIVIL LINES 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 IOBA0001972 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.

How to reach the Stjoseph School Civil Lines branch

The branch is located at CIVIL LINES,GORAKHPUR,GORAKHPUR,PIN 273009, which puts it inside Gorakhpur, the broader Gorakhpur district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Stjoseph School Civil Lines branch” — the verified location pin for IFSC IOBA0001972 should appear at the top of the results.
2. Confirm the branch is open by calling 551-2334890 before stepping out, especially around public holidays.
3. 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 IOBA0001972 and your account number.

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 – STJOSEPH SCHOOL CIVIL LINES:

• The IFSC is exactly IOBA0001972 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 STJOSEPH SCHOOL CIVIL LINES 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.

Working hours

Branch counters at Stjoseph School Civil Lines 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 IOBA0001972 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001972 for Indian Overseas Bank – STJOSEPH SCHOOL CIVIL LINES, 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

Frequently asked questions

Summary

The IFSC code IOBA0001972 belongs to Indian Overseas Bank's STJOSEPH SCHOOL CIVIL LINES branch, located at CIVIL LINES,GORAKHPUR,GORAKHPUR,PIN 273009 in GORAKHPUR, 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.