IFSC Code of Indian Overseas Bank, Sixty-Six Feet Road Jalandhar Branch, Punjab

Below are the complete branch details for Indian Overseas Bank, SIXTY-SIX FEET ROAD JALANDHAR branch, located in JALANDHAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003986. 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 IOBA0003986 for Indian Overseas Bank – SIXTY-SIX FEET ROAD JALANDHAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – SIXTY-SIX FEET ROAD JALANDHAR is IOBA0003986. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003986 map to this branch in JALANDHAR, PUNJAB.

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sixty-Six Feet Road Jalandhar branch in Jalandhar, Punjab is part of this network and uses the IFSC code IOBA0003986 for all electronic settlement.

Branch details at a glance

About the Sixty-Six Feet Road Jalandhar branch

The Sixty-Six Feet Road Jalandhar branch of Indian Overseas Bank is situated at INDIAN OVERSEAS BANK, KAROL BAGH, 66 FEET ROAD, JALANDHAR, PUNJAB - 144022. 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 IOBA0003986 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 SIXTY-SIX FEET ROAD JALANDHAR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003986 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 IOBA0003986 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 Sixty-Six Feet Road Jalandhar branch

Once you have an account at Indian Overseas Bank – SIXTY-SIX FEET ROAD JALANDHAR, the IFSC IOBA0003986 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 Sixty-Six Feet Road Jalandhar 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 IOBA0003986

How to transfer money using IFSC IOBA0003986

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 IOBA0003986 across all three.

How to use IFSC IOBA0003986 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's SIXTY-SIX FEET ROAD JALANDHAR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0003986.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as SIXTY-SIX FEET ROAD JALANDHAR.
5. 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 SIXTY-SIX FEET ROAD JALANDHAR

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's SIXTY-SIX FEET ROAD JALANDHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003986 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank SIXTY-SIX FEET ROAD JALANDHAR (IFSC IOBA0003986)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003986 in your mobile or internet banking app, and the money is credited to the SIXTY-SIX FEET ROAD JALANDHAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sixty-Six Feet Road Jalandhar

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 IOBA0003986:

• 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 SIXTY-SIX FEET ROAD JALANDHAR is still linked to IFSC IOBA0003986.

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 IOBA0003986

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 – SIXTY-SIX FEET ROAD JALANDHAR is still mapped to IFSC IOBA0003986. 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 IOBA0003986 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Sixty-Six Feet Road Jalandhar 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 IOBA0003986 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 IOBA0003986 and the account number together uniquely identify the Sixty-Six Feet Road Jalandhar 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 – SIXTY-SIX FEET ROAD JALANDHAR:

• The IFSC is exactly IOBA0003986 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 SIXTY-SIX FEET ROAD JALANDHAR 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 Sixty-Six Feet Road Jalandhar branch sits at INDIAN OVERSEAS BANK, KAROL BAGH, 66 FEET ROAD, JALANDHAR, PUNJAB - 144022. If you are travelling from outside Jalandhar, search for the branch on a maps application using the bank name and locality, or call 0 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 IOBA0003986 and your account number.

Verifying IFSC IOBA0003986 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 IOBA0003986 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

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 Sixty-Six Feet Road Jalandhar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003986, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0003986 is the IFSC code of Indian Overseas Bank, SIXTY-SIX FEET ROAD JALANDHAR branch, in JALANDHAR, PUNJAB. 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.