Use this page as a one-stop reference for everything related to Indian Overseas Bank's HABRA branch in HABRA, WEST BENGAL. The branch's IFSC code IOBA0002637 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.
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 HABRA branch, the IFSC IOBA0002637 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002637 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Habra branch in Habra. 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, IOBA0002637.
About this branch
The branch is located at 1ST.FLR,HOLDING NO.130,JOYGACHI MORE.JESSORE ROAD,P.O.HABRA 743263,DIST.NORTH 24 PARGANAS. It serves the Habra 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 IOBA0002637 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Habra |
| IFSC Code | IOBA0002637 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1ST.FLR,HOLDING NO.130,JOYGACHI MORE.JESSORE ROAD,P.O.HABRA 743263,DIST.NORTH 24 PARGANAS |
| City | Habra |
| District | North 24 Parganas |
| State | West Bengal |
| STD Code | 44 |
| Phone | 28584896 |
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 HABRA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002637 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 IOBA0002637 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Habra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002637 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0002637
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 IOBA0002637 across all three.
NEFT to Indian Overseas Bank, HABRA using IFSC IOBA0002637
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 IOBA0002637, and confirm that the system picks up Indian Overseas Bank – HABRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002637
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 – HABRA, ensure your bank's portal accepts IFSC IOBA0002637 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – HABRA, use IMPS. With IFSC IOBA0002637 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 IOBA0002637 for Indian Overseas Bank – HABRA, 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 – IOBA0002637 | Yes – IOBA0002637 | Yes – IOBA0002637 |
For most retail customers crediting the Habra 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 IOBA0002637
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 – HABRA is still mapped to IFSC IOBA0002637. 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 IOBA0002637 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Habra branch is mapped to IFSC IOBA0002637 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 IOBA0002637.
Products and services
Customers walking into the Habra 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 IOBA0002637
Digital banking channels
Most day-to-day work that customers used to do at the Habra 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 IOBA0002637 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.
Reaching the branch
The Habra branch sits at 1ST.FLR,HOLDING NO.130,JOYGACHI MORE.JESSORE ROAD,P.O.HABRA 743263,DIST.NORTH 24 PARGANAS. If you are travelling from outside Habra, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0002637 and your account number.
Common mistakes to avoid when using IFSC IOBA0002637
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 – HABRA, 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:
IOBA0002637. - 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.
Working hours
Branch counters at Habra 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 IOBA0002637 continue to work without interruption.
Verifying IFSC IOBA0002637 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 IOBA0002637 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankHabra Branch
1ST.FLR,HOLDING NO.130,JOYGACHI MORE.JESSORE ROAD,P.O.HABRA 743263,DIST.NORTH 24 PARGANAS
Habra, West Bengal
Phone: 44-28584896
IFSC: IOBA0002637
Frequently asked questions
Is IFSC IOBA0002637 the same for all accounts at Habra branch?
Yes. The IFSC IOBA0002637 is shared by every account held at Indian Overseas Bank's Habra branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Habra branch located?
Indian Overseas Bank's Habra branch is located at 1ST.FLR,HOLDING NO.130,JOYGACHI MORE.JESSORE ROAD,P.O.HABRA 743263,DIST.NORTH 24 PARGANAS, Habra, West Bengal.
What is the phone number of Indian Overseas Bank Habra branch?
You can reach the branch at 44-28584896 during regular banking hours.
How do I add Indian Overseas Bank Habra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002637, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0002637 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Habra reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Habra branch?
The IFSC code of Indian Overseas Bank, Habra branch is IOBA0002637. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0002637 belongs to Indian Overseas Bank's HABRA branch, located at 1ST.FLR,HOLDING NO.130,JOYGACHI MORE.JESSORE ROAD,P.O.HABRA 743263,DIST.NORTH… in HABRA, WEST BENGAL. 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.
