This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, JAISALMER branch in JAISALMER. The 11-digit IFSC IOBA0002428 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the JAISALMER location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – JAISALMER is IOBA0002428. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002428 map to this branch in JAISALMER, RAJASTHAN.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jaisalmer branch — IFSC IOBA0002428 — extends the bank's services to customers in and around Jaisalmer, Rajasthan.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Jaisalmer |
| IFSC Code | IOBA0002428 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B 453,OPP MANDIR PALACE NEAR TAJIA TOWER,JAISALMER PINCODE 345001 RAJASATHAN STATE |
| City | Jaisalmer |
| District | Jaisalmer |
| State | Rajasthan |
| STD Code | 44 |
| Phone | 28584896 |
About the Jaisalmer branch
The Jaisalmer branch of Indian Overseas Bank is situated at B 453,OPP MANDIR PALACE NEAR TAJIA TOWER,JAISALMER PINCODE 345001 RAJASATHAN STATE. 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 IOBA0002428 is used.
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 JAISALMER of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002428 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 IOBA0002428 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Jaisalmer branch
Once you have an account at Indian Overseas Bank – JAISALMER, the IFSC IOBA0002428 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Jaisalmer 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 IOBA0002428
How to transfer money using IFSC IOBA0002428
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 IOBA0002428 across all three.
How to use IFSC IOBA0002428 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's JAISALMER 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 IOBA0002428.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as JAISALMER.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0002428
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 – JAISALMER, ensure your bank's portal accepts IFSC IOBA0002428 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – JAISALMER, use IMPS. With IFSC IOBA0002428 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 IOBA0002428 for Indian Overseas Bank – JAISALMER, 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 – IOBA0002428 | Yes – IOBA0002428 | Yes – IOBA0002428 |
For most retail customers crediting the Jaisalmer 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 JAISALMER branch, the IFSC IOBA0002428 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 Jaisalmer 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 IOBA0002428 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 IOBA0002428 and the account number together uniquely identify the Jaisalmer branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – JAISALMER:
- The IFSC is exactly IOBA0002428 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 JAISALMER 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 Jaisalmer branch
The branch is located at B 453,OPP MANDIR PALACE NEAR TAJIA TOWER,JAISALMER PINCODE 345001 RAJASATHAN STATE, which puts it inside Jaisalmer, the broader Jaisalmer district, and the state of Rajasthan. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Jaisalmer branch” — the verified location pin for IFSC IOBA0002428 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 IOBA0002428 and your account number.
Verifying IFSC IOBA0002428 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 IOBA0002428 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 Jaisalmer 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 IOBA0002428 continue to work without interruption.
Branch address & contact
Indian Overseas BankJaisalmer Branch
B 453,OPP MANDIR PALACE NEAR TAJIA TOWER,JAISALMER PINCODE 345001 RAJASATHAN STATE
Jaisalmer, Rajasthan
Phone: 44-28584896
IFSC: IOBA0002428
Frequently asked questions
How do I add Indian Overseas Bank Jaisalmer as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002428, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Jaisalmer branch but serve different purposes.
Is IFSC IOBA0002428 the same for all accounts at Jaisalmer branch?
Yes. The IFSC IOBA0002428 is shared by every account held at Indian Overseas Bank's Jaisalmer branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0002428 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002428 to send funds instantly.
What is the phone number of Indian Overseas Bank Jaisalmer branch?
You can reach the branch at 44-28584896 during regular banking hours.
Where is Indian Overseas Bank Jaisalmer branch located?
Indian Overseas Bank's Jaisalmer branch is located at B 453,OPP MANDIR PALACE NEAR TAJIA TOWER,JAISALMER PINCODE 345001 RAJASATHAN STATE, Jaisalmer, Rajasthan.
Final notes
To recap: IOBA0002428 is the IFSC code of Indian Overseas Bank, JAISALMER branch, in JAISALMER, RAJASTHAN. 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.
