Use this page as a one-stop reference for everything related to Indian Overseas Bank's GHORAGHATA branch in HOWRAH, WEST BENGAL. The branch's IFSC code IOBA0001424 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 GHORAGHATA branch, the IFSC IOBA0001424 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001424 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 Ghoraghata branch in Howrah, West Bengal is part of this network and uses the IFSC code IOBA0001424 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ghoraghata |
| IFSC Code | IOBA0001424 |
| MICR Code | Refer to cheque leaf |
| Branch Address | STATION ROADSOUTH,KANTAPUKUR,BLOCK BAGNAN II,HOWRAH,GHORAGHATTA,PIN 711303 |
| City | Howrah |
| District | Haora |
| State | West Bengal |
| STD Code | 9114 |
| Phone | 266708 |
About the Ghoraghata branch
The Ghoraghata branch of Indian Overseas Bank is situated at STATION ROADSOUTH,KANTAPUKUR,BLOCK BAGNAN II,HOWRAH,GHORAGHATTA,PIN 711303. 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 IOBA0001424 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 GHORAGHATA branch came to be assigned the code IOBA0001424.
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 IOBA0001424, money simply cannot be routed to the GHORAGHATA branch electronically.
Products and account variants supported
Every account opened at the Ghoraghata branch is mapped to IFSC IOBA0001424 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 IOBA0001424.
Products and services
Customers walking into the Ghoraghata 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 IOBA0001424
How to transfer money using IFSC IOBA0001424
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 IOBA0001424 across all three.
How to use IFSC IOBA0001424 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's GHORAGHATA 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 IOBA0001424.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as GHORAGHATA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to GHORAGHATA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's GHORAGHATA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001424 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank GHORAGHATA (IFSC IOBA0001424)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001424 in your mobile or internet banking app, and the money is credited to the GHORAGHATA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ghoraghata
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 IOBA0001424:
- 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 GHORAGHATA is still linked to IFSC IOBA0001424.
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.
UPI payments and IFSC IOBA0001424
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 – GHORAGHATA is still mapped to IFSC IOBA0001424. 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 IOBA0001424 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0001424
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the GHORAGHATA 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 IOBA0001424 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.
MICR & cheque-truncation details
Cheques drawn on the Ghoraghata branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001424 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0001424
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 – GHORAGHATA, 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:
IOBA0001424. - 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.
Reaching the branch
The Ghoraghata branch sits at STATION ROADSOUTH,KANTAPUKUR,BLOCK BAGNAN II,HOWRAH,GHORAGHATTA,PIN 711303. If you are travelling from outside Howrah, search for the branch on a maps application using the bank name and locality, or call 9114-266708 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 IOBA0001424 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001424 for Indian Overseas Bank – GHORAGHATA, 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 Ghoraghata branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001424, however, work 24x7.
Branch address & contact
Indian Overseas BankGhoraghata Branch
STATION ROADSOUTH,KANTAPUKUR,BLOCK BAGNAN II,HOWRAH,GHORAGHATTA,PIN 711303
Howrah, West Bengal
Phone: 9114-266708
IFSC: IOBA0001424
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Ghoraghata branch?
The IFSC code of Indian Overseas Bank, Ghoraghata branch is IOBA0001424. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0001424 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ghoraghata reflect within 30 minutes.
Is IFSC IOBA0001424 the same for all accounts at Ghoraghata branch?
Yes. The IFSC IOBA0001424 is shared by every account held at Indian Overseas Bank's Ghoraghata branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Ghoraghata branch?
You can reach the branch at 9114-266708 during regular banking hours.
How do I add Indian Overseas Bank Ghoraghata as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001424, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Ghoraghata branch located?
Indian Overseas Bank's Ghoraghata branch is located at STATION ROADSOUTH,KANTAPUKUR,BLOCK BAGNAN II,HOWRAH,GHORAGHATTA,PIN 711303, Howrah, West Bengal.
Can I use IFSC IOBA0001424 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001424 to send funds instantly.
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 Ghoraghata branch but serve different purposes.
Final notes
To recap: IOBA0001424 is the IFSC code of Indian Overseas Bank, GHORAGHATA branch, in HOWRAH, WEST BENGAL. 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.
