IFSC Code of Indian Overseas Bank, Taramandal Gorakhpur Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Indian Overseas Bank's TARAMANDAL GORAKHPUR branch in GORAKHPUR, UTTAR PRADESH. The branch's IFSC code IOBA0003994 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – TARAMANDAL GORAKHPUR is IOBA0003994. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003994 map to this branch in GORAKHPUR, UTTAR PRADESH.

Branch details at a glance

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Taramandal Gorakhpur branch in Gorakhpur, Uttar Pradesh is part of this network and uses the IFSC code IOBA0003994 for all electronic settlement.

About this branch

The branch is located at SIDDHARTHPURAM EXTENSION, PLOT NO. - HIG - I- 20, TARAMANDAL ROAD, GORAKHPUR, PIN - 273017. It serves the Gorakhpur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0003994 is used to identify this branch on the RBI payments network.

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 TARAMANDAL GORAKHPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003994 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 IOBA0003994 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 IOBA0003994

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 IOBA0003994 across all three.

How to use IFSC IOBA0003994 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's TARAMANDAL GORAKHPUR 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 IOBA0003994.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as TARAMANDAL GORAKHPUR.
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 IOBA0003994

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 – TARAMANDAL GORAKHPUR, ensure your bank's portal accepts IFSC IOBA0003994 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Overseas Bank – TARAMANDAL GORAKHPUR, use IMPS. With IFSC IOBA0003994 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 IOBA0003994 for Indian Overseas Bank – TARAMANDAL GORAKHPUR, 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 Taramandal Gorakhpur 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 TARAMANDAL GORAKHPUR branch, the IFSC IOBA0003994 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.

Account types you can open at the Taramandal Gorakhpur branch

Once you have an account at Indian Overseas Bank – TARAMANDAL GORAKHPUR, the IFSC IOBA0003994 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 Taramandal Gorakhpur 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 IOBA0003994

MICR & cheque-truncation details

Cheques drawn on the Taramandal Gorakhpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003994 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IOBA0003994

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the TARAMANDAL GORAKHPUR 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 IOBA0003994 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.

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 – TARAMANDAL GORAKHPUR:

• The IFSC is exactly IOBA0003994 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 TARAMANDAL GORAKHPUR 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 Taramandal Gorakhpur branch

The branch is located at SIDDHARTHPURAM EXTENSION, PLOT NO. - HIG - I- 20, TARAMANDAL ROAD, GORAKHPUR, PIN - 273017, 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 Taramandal Gorakhpur branch” — the verified location pin for IFSC IOBA0003994 should appear at the top of the results.
2. Confirm the branch is open by calling 8925953994 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 IOBA0003994 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003994 for Indian Overseas Bank – TARAMANDAL GORAKHPUR, 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 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 Taramandal Gorakhpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003994, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0003994 is the IFSC code of Indian Overseas Bank, TARAMANDAL GORAKHPUR branch, in GORAKHPUR, 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.