Use this page as a one-stop reference for everything related to Indian Overseas Bank's DHOOTA branch in JALAUN, UTTAR PRADESH. The branch's IFSC code IOBA0003614 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0003614 is the IFSC of Indian Overseas Bank's DHOOTA branch. The format is fixed: IOBA = bank code, 0 = reserved, 003614 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Dhoota branch in Jalaun. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0003614.
About the Dhoota branch
The Dhoota branch of Indian Overseas Bank is situated at PT RAM SHARAN MISHRA INTER COLLEGE MISHRAPUR,DHOOTA POST,GULARIHA,BLOCK JAGATPUR,DIST JAGATPUR. 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 IOBA0003614 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Dhoota |
| IFSC Code | IOBA0003614 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PT RAM SHARAN MISHRA INTER COLLEGE MISHRAPUR,DHOOTA POST,GULARIHA,BLOCK JAGATPUR,DIST JAGATPUR |
| City | Jalaun |
| District | Jalaun |
| State | Uttar Pradesh |
| STD Code | 612 |
| Phone | 2205300 |
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 DHOOTA branch came to be assigned the code IOBA0003614.
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 IOBA0003614, money simply cannot be routed to the DHOOTA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Dhoota branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003614 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 IOBA0003614
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 IOBA0003614 across all three.
NEFT to Indian Overseas Bank, DHOOTA using IFSC IOBA0003614
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 IOBA0003614, and confirm that the system picks up Indian Overseas Bank – DHOOTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to DHOOTA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's DHOOTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003614 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank DHOOTA (IFSC IOBA0003614)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003614 in your mobile or internet banking app, and the money is credited to the DHOOTA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Dhoota
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 IOBA0003614:
- 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 DHOOTA is still linked to IFSC IOBA0003614.
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 DHOOTA branch, the IFSC IOBA0003614 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.
Products and account variants supported
Every account opened at the Dhoota branch is mapped to IFSC IOBA0003614 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 IOBA0003614.
Products and services
Customers walking into the Dhoota 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 IOBA0003614
Online banking and IFSC IOBA0003614
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the DHOOTA 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 IOBA0003614 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.
How to reach the Dhoota branch
The branch is located at PT RAM SHARAN MISHRA INTER COLLEGE MISHRAPUR,DHOOTA POST,GULARIHA,BLOCK JAGATPUR,DIST JAGATPUR, which puts it inside Jalaun, the broader Jalaun district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Dhoota branch” — the verified location pin for IFSC IOBA0003614 should appear at the top of the results.
- Confirm the branch is open by calling 612-2205300 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 IOBA0003614 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 – DHOOTA:
- The IFSC is exactly IOBA0003614 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 DHOOTA 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 Dhoota 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 IOBA0003614 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003614 for Indian Overseas Bank – DHOOTA, 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 address & contact
Indian Overseas BankDhoota Branch
PT RAM SHARAN MISHRA INTER COLLEGE MISHRAPUR,DHOOTA POST,GULARIHA,BLOCK JAGATPUR,DIST JAGATPUR
Jalaun, Uttar Pradesh
Phone: 612-2205300
IFSC: IOBA0003614
Frequently asked questions
Is IFSC IOBA0003614 the same for all accounts at Dhoota branch?
Yes. The IFSC IOBA0003614 is shared by every account held at Indian Overseas Bank's Dhoota branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Dhoota branch?
The IFSC code of Indian Overseas Bank, Dhoota branch is IOBA0003614. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Overseas Bank Dhoota branch located?
Indian Overseas Bank's Dhoota branch is located at PT RAM SHARAN MISHRA INTER COLLEGE MISHRAPUR,DHOOTA POST,GULARIHA,BLOCK JAGATPUR,DIST JAGATPUR, Jalaun, Uttar Pradesh.
What is the phone number of Indian Overseas Bank Dhoota branch?
You can reach the branch at 612-2205300 during regular banking hours.
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 Dhoota branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0003614 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Dhoota reflect within 30 minutes.
How do I add Indian Overseas Bank Dhoota as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003614, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0003614 belongs to Indian Overseas Bank's DHOOTA branch, located at PT RAM SHARAN MISHRA INTER COLLEGE MISHRAPUR,DHOOTA POST,GULARIHA,BLOCK… in JALAUN, 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.
