If you are searching for the IFSC code of Indian Overseas Bank, HOSHIARPUR branch in HOSHIARPUR, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is IOBA0000510. 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 HOSHIARPUR branch, and detailed step-by-step guides for using the IFSC IOBA0000510 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, IOBA0000510 is the IFSC of Indian Overseas Bank's HOSHIARPUR branch. The format is fixed: IOBA = bank code, 0 = reserved, 000510 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Hoshiarpur branch in Hoshiarpur. 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, IOBA0000510.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Hoshiarpur |
| IFSC Code | IOBA0000510 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MADAN BUILDING PHAGWARA ROAD HOSHIARPUR PIN 146001 |
| City | Hoshiarpur |
| District | Hoshiarpur |
| State | Punjab |
| STD Code | 1882 |
| Phone | 255011 |
About the Hoshiarpur branch
The Hoshiarpur branch of Indian Overseas Bank is situated at MADAN BUILDING PHAGWARA ROAD HOSHIARPUR PIN 146001. 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 IOBA0000510 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 HOSHIARPUR branch came to be assigned the code IOBA0000510.
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 IOBA0000510, money simply cannot be routed to the HOSHIARPUR branch electronically.
Products and account variants supported
Every account opened at the Hoshiarpur branch is mapped to IFSC IOBA0000510 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 IOBA0000510.
Products and services
Customers walking into the Hoshiarpur 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 IOBA0000510
How to transfer money using IFSC IOBA0000510
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 IOBA0000510 across all three.
How to use IFSC IOBA0000510 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's HOSHIARPUR 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 IOBA0000510.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as HOSHIARPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000510
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 – HOSHIARPUR, ensure your bank's portal accepts IFSC IOBA0000510 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – HOSHIARPUR, use IMPS. With IFSC IOBA0000510 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 IOBA0000510 for Indian Overseas Bank – HOSHIARPUR, 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 – IOBA0000510 | Yes – IOBA0000510 | Yes – IOBA0000510 |
For most retail customers crediting the Hoshiarpur 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 HOSHIARPUR branch, the IFSC IOBA0000510 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 Hoshiarpur 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 IOBA0000510 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 & cheque-truncation details
Cheques drawn on the Hoshiarpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000510 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – HOSHIARPUR:
- The IFSC is exactly IOBA0000510 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 HOSHIARPUR 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.
Reaching the branch
The Hoshiarpur branch sits at MADAN BUILDING PHAGWARA ROAD HOSHIARPUR PIN 146001. If you are travelling from outside Hoshiarpur, search for the branch on a maps application using the bank name and locality, or call 1882-255011 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 IOBA0000510 and your account number.
Verifying IFSC IOBA0000510 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 IOBA0000510 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1882-255011.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Hoshiarpur 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 IOBA0000510 continue to work without interruption.
Branch address & contact
Indian Overseas BankHoshiarpur Branch
MADAN BUILDING PHAGWARA ROAD HOSHIARPUR PIN 146001
Hoshiarpur, Punjab
Phone: 1882-255011
IFSC: IOBA0000510
Frequently asked questions
How do I add Indian Overseas Bank Hoshiarpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000510, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0000510 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000510 to send funds instantly.
Where is Indian Overseas Bank Hoshiarpur branch located?
Indian Overseas Bank's Hoshiarpur branch is located at MADAN BUILDING PHAGWARA ROAD HOSHIARPUR PIN 146001, Hoshiarpur, Punjab.
What is the phone number of Indian Overseas Bank Hoshiarpur branch?
You can reach the branch at 1882-255011 during regular banking hours.
How quickly will an NEFT transfer using IOBA0000510 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Hoshiarpur reflect within 30 minutes.
Is IFSC IOBA0000510 valid for NEFT and RTGS?
Yes. IFSC IOBA0000510 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IOBA0000510 belongs to Indian Overseas Bank's HOSHIARPUR branch, located at MADAN BUILDING PHAGWARA ROAD HOSHIARPUR PIN 146001 in HOSHIARPUR, PUNJAB. 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.
