IFSC Code of Indian Overseas Bank, Howrah Shibpur Dinobundhoo Inst Branch, West Bengal

Use this page as a one-stop reference for everything related to Indian Overseas Bank's HOWRAH SHIBPUR DINOBUNDHOO INST branch in HOWRAH, WEST BENGAL. The branch's IFSC code IOBA0002276 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 – HOWRAH SHIBPUR DINOBUNDHOO INST is IOBA0002276. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002276 map to this branch in HOWRAH, WEST BENGAL.

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Howrah Shibpur Dinobundhoo Inst branch in Howrah, West Bengal is part of this network and uses the IFSC code IOBA0002276 for all electronic settlement.

Branch details at a glance

About the Howrah Shibpur Dinobundhoo Inst branch

The Howrah Shibpur Dinobundhoo Inst branch of Indian Overseas Bank is situated at 412 BY 1,G T ROAD SOUTH,HAORA,PIN 711102,WEST BENGAL. 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 IOBA0002276 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 HOWRAH SHIBPUR DINOBUNDHOO INST branch came to be assigned the code IOBA0002276.

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 IOBA0002276, money simply cannot be routed to the HOWRAH SHIBPUR DINOBUNDHOO INST branch electronically.

Products and account variants supported

Every account opened at the Howrah Shibpur Dinobundhoo Inst branch is mapped to IFSC IOBA0002276 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 IOBA0002276.

Banking services available

The Howrah Shibpur Dinobundhoo Inst 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 IOBA0002276

How to transfer money using IFSC IOBA0002276

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 IOBA0002276 across all three.

NEFT to Indian Overseas Bank, HOWRAH SHIBPUR DINOBUNDHOO INST using IFSC IOBA0002276

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 IOBA0002276, and confirm that the system picks up Indian Overseas Bank – HOWRAH SHIBPUR DINOBUNDHOO INST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HOWRAH SHIBPUR DINOBUNDHOO INST

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's HOWRAH SHIBPUR DINOBUNDHOO INST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002276 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Overseas Bank – HOWRAH SHIBPUR DINOBUNDHOO INST, use IMPS. With IFSC IOBA0002276 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Howrah Shibpur Dinobundhoo Inst

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 IOBA0002276:

• 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 HOWRAH SHIBPUR DINOBUNDHOO INST is still linked to IFSC IOBA0002276.

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.

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 HOWRAH SHIBPUR DINOBUNDHOO INST branch, the IFSC IOBA0002276 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 Howrah Shibpur Dinobundhoo Inst 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 IOBA0002276 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 Howrah Shibpur Dinobundhoo Inst branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002276 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 – HOWRAH SHIBPUR DINOBUNDHOO INST:

• The IFSC is exactly IOBA0002276 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 HOWRAH SHIBPUR DINOBUNDHOO INST 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 Howrah Shibpur Dinobundhoo Inst branch

The branch is located at 412 BY 1,G T ROAD SOUTH,HAORA,PIN 711102,WEST BENGAL, which puts it inside Howrah, the broader Haora district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Howrah Shibpur Dinobundhoo Inst branch” — the verified location pin for IFSC IOBA0002276 should appear at the top of the results.
2. Confirm the branch is open by calling 44-28584896 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 IOBA0002276 and your account number.

Verifying IFSC IOBA0002276 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 IOBA0002276 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 Howrah Shibpur Dinobundhoo Inst 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 IOBA0002276 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0002276 is the IFSC code of Indian Overseas Bank, HOWRAH SHIBPUR DINOBUNDHOO INST 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.