Below are the complete branch details for Indian Overseas Bank, JAIT branch, located in JAIT, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001207. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0001207 for Indian Overseas Bank – JAIT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 JAIT branch, the IFSC IOBA0001207 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001207 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 Jait branch in Jait, Uttar Pradesh is part of this network and uses the IFSC code IOBA0001207 for all electronic settlement.
About this branch
The branch is located at MATHURA DELHI HIGHWAY JAIT PIN 281402. It serves the Jait region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0001207 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Jait |
| IFSC Code | IOBA0001207 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MATHURA DELHI HIGHWAY JAIT PIN 281402 |
| City | Jait |
| District | Mathura |
| State | Uttar Pradesh |
| Phone | 825289 |
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 JAIT branch came to be assigned the code IOBA0001207.
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 IOBA0001207, money simply cannot be routed to the JAIT branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Jait branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001207 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0001207
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 IOBA0001207 across all three.
NEFT to Indian Overseas Bank, JAIT using IFSC IOBA0001207
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 IOBA0001207, and confirm that the system picks up Indian Overseas Bank – JAIT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JAIT
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's JAIT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001207 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 – JAIT, use IMPS. With IFSC IOBA0001207 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 IOBA0001207 for Indian Overseas Bank – JAIT, 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 – IOBA0001207 | Yes – IOBA0001207 | Yes – IOBA0001207 |
For most retail customers crediting the Jait 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.
UPI payments and IFSC IOBA0001207
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 – JAIT is still mapped to IFSC IOBA0001207. 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 IOBA0001207 and the beneficiary's account number to complete the transfer.
Account types you can open at the Jait branch
Once you have an account at Indian Overseas Bank – JAIT, the IFSC IOBA0001207 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.
Products and services
Customers walking into the Jait 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 IOBA0001207
Digital banking channels
Most day-to-day work that customers used to do at the Jait 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 IOBA0001207 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.
Reaching the branch
The Jait branch sits at MATHURA DELHI HIGHWAY JAIT PIN 281402. If you are travelling from outside Jait, search for the branch on a maps application using the bank name and locality, or call 825289 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 IOBA0001207 and your account number.
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 – JAIT:
- The IFSC is exactly IOBA0001207 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 JAIT 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.
Working hours
Branch counters at Jait 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 IOBA0001207 continue to work without interruption.
Verifying IFSC IOBA0001207 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 IOBA0001207 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 825289.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankJait Branch
MATHURA DELHI HIGHWAY JAIT PIN 281402
Jait, Uttar Pradesh
Phone: 825289
IFSC: IOBA0001207
Frequently asked questions
Where is Indian Overseas Bank Jait branch located?
Indian Overseas Bank's Jait branch is located at MATHURA DELHI HIGHWAY JAIT PIN 281402, Jait, Uttar Pradesh.
Does Indian Overseas Bank Jait branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 825289 to confirm.
What is the phone number of Indian Overseas Bank Jait branch?
You can reach the branch at 825289 during regular banking hours.
What is the IFSC code of Indian Overseas Bank Jait branch?
The IFSC code of Indian Overseas Bank, Jait branch is IOBA0001207. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0001207 valid for NEFT and RTGS?
Yes. IFSC IOBA0001207 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using IOBA0001207 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Jait reflect within 30 minutes.
Summary
The IFSC code IOBA0001207 belongs to Indian Overseas Bank's JAIT branch, located at MATHURA DELHI HIGHWAY JAIT PIN 281402 in JAIT, UTTAR PRADESH. 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.
