If you are searching for the IFSC code of Indian Overseas Bank, HAVERI branch in HAVERI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is IOBA0002889. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the HAVERI branch, and detailed step-by-step guides for using the IFSC IOBA0002889 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0002889 is the IFSC of Indian Overseas Bank's HAVERI branch. The format is fixed: IOBA = bank code, 0 = reserved, 002889 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Haveri branch in Haveri. 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, IOBA0002889.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Haveri |
| IFSC Code | IOBA0002889 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SRI GANGA SADAN,VIDYANAGAR,P.B.ROAD,HAVERI,KARNATAKA 581110 |
| City | Haveri |
| District | Haveri |
| State | Karnataka |
| STD Code | 44 |
| Phone | 28584896 |
About the Haveri branch
The Haveri branch of Indian Overseas Bank is situated at SRI GANGA SADAN,VIDYANAGAR,P.B.ROAD,HAVERI,KARNATAKA 581110. 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 IOBA0002889 is used.
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 HAVERI branch came to be assigned the code IOBA0002889.
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 IOBA0002889, money simply cannot be routed to the HAVERI branch electronically.
Products and account variants supported
Every account opened at the Haveri branch is mapped to IFSC IOBA0002889 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 IOBA0002889.
Banking services available
The Haveri 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 IOBA0002889
How to transfer money using IFSC IOBA0002889
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 IOBA0002889 across all three.
How to use IFSC IOBA0002889 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's HAVERI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0002889.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as HAVERI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0002889
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 – HAVERI, ensure your bank's portal accepts IFSC IOBA0002889 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – HAVERI, use IMPS. With IFSC IOBA0002889 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 IOBA0002889 for Indian Overseas Bank – HAVERI, 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 – IOBA0002889 | Yes – IOBA0002889 | Yes – IOBA0002889 |
For most retail customers crediting the Haveri 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 HAVERI branch, the IFSC IOBA0002889 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.
Digital banking channels
Most day-to-day work that customers used to do at the Haveri 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 IOBA0002889 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.
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 IOBA0002889 and the account number together uniquely identify the Haveri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0002889
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 – HAVERI, 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:
IOBA0002889. - 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 Haveri branch
The branch is located at SRI GANGA SADAN,VIDYANAGAR,P.B.ROAD,HAVERI,KARNATAKA 581110, which puts it inside Haveri, the broader Haveri district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Haveri branch” — the verified location pin for IFSC IOBA0002889 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 IOBA0002889 and your account number.
Verifying IFSC IOBA0002889 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 IOBA0002889 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.
Working hours
Branch counters at Haveri 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 IOBA0002889 continue to work without interruption.
Branch address & contact
Indian Overseas BankHaveri Branch
SRI GANGA SADAN,VIDYANAGAR,P.B.ROAD,HAVERI,KARNATAKA 581110
Haveri, Karnataka
Phone: 44-28584896
IFSC: IOBA0002889
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Haveri branch?
The IFSC code of Indian Overseas Bank, Haveri branch is IOBA0002889. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0002889 valid for NEFT and RTGS?
Yes. IFSC IOBA0002889 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IOBA0002889 the same for all accounts at Haveri branch?
Yes. The IFSC IOBA0002889 is shared by every account held at Indian Overseas Bank's Haveri branch. Only the account number changes from customer to customer.
Does Indian Overseas Bank Haveri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Where is Indian Overseas Bank Haveri branch located?
Indian Overseas Bank's Haveri branch is located at SRI GANGA SADAN,VIDYANAGAR,P.B.ROAD,HAVERI,KARNATAKA 581110, Haveri, Karnataka.
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 Haveri branch but serve different purposes.
Can I use IFSC IOBA0002889 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002889 to send funds instantly.
Summary
The IFSC code IOBA0002889 belongs to Indian Overseas Bank's HAVERI branch, located at SRI GANGA SADAN,VIDYANAGAR,P.B.ROAD,HAVERI,KARNATAKA 581110 in HAVERI, KARNATAKA. 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.
