IFSC Code of Indian Overseas Bank, Gamhariya Branch Branch, Chhattisgarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, GAMHARIYA BRANCH branch in JASHPUR NAGAR. The 11-digit IFSC IOBA0003779 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 GAMHARIYA BRANCH 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 – GAMHARIYA BRANCH is IOBA0003779. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003779 map to this branch in JASHPUR NAGAR, CHHATTISGARH.

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the Gamhariya Branch branch in Jashpur Nagar. 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, IOBA0003779.

Branch details at a glance

Gamhariya Branch branch overview

Located at PLOT NO 628 16, NH 43 RAIGARH ROAD,VILL GAMHARIYA, DIST JASHPUR 496331, the Gamhariya Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003779 is required for all interbank electronic transfers routed through this branch.

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 GAMHARIYA BRANCH branch came to be assigned the code IOBA0003779.

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 IOBA0003779, money simply cannot be routed to the GAMHARIYA BRANCH branch electronically.

Products and account variants supported

Every account opened at the Gamhariya Branch branch is mapped to IFSC IOBA0003779 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 IOBA0003779.

Banking services available

The Gamhariya Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7763-3980606.

• 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 IOBA0003779

How to transfer money using IFSC IOBA0003779

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 IOBA0003779 across all three.

NEFT to Indian Overseas Bank, GAMHARIYA BRANCH using IFSC IOBA0003779

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 IOBA0003779, and confirm that the system picks up Indian Overseas Bank – GAMHARIYA BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GAMHARIYA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's GAMHARIYA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003779 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank GAMHARIYA BRANCH (IFSC IOBA0003779)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003779 in your mobile or internet banking app, and the money is credited to the GAMHARIYA BRANCH branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0003779 for Indian Overseas Bank – GAMHARIYA BRANCH, 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.

For most retail customers crediting the Gamhariya Branch 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 GAMHARIYA BRANCH branch, the IFSC IOBA0003779 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.

Online banking and IFSC IOBA0003779

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the GAMHARIYA BRANCH 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 IOBA0003779 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.

MICR & cheque-truncation details

Cheques drawn on the Gamhariya Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003779 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 – GAMHARIYA BRANCH:

• The IFSC is exactly IOBA0003779 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 GAMHARIYA BRANCH 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 Gamhariya Branch branch

The branch is located at PLOT NO 628 16, NH 43 RAIGARH ROAD,VILL GAMHARIYA, DIST JASHPUR 496331, which puts it inside Jashpur Nagar, the broader Jashpur Nagar district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Gamhariya Branch branch” — the verified location pin for IFSC IOBA0003779 should appear at the top of the results.
2. Confirm the branch is open by calling 7763-3980606 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 IOBA0003779 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003779 for Indian Overseas Bank – GAMHARIYA BRANCH, 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 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 Gamhariya Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003779, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0003779 belongs to Indian Overseas Bank's GAMHARIYA BRANCH branch, located at PLOT NO 628 16, NH 43 RAIGARH ROAD,VILL GAMHARIYA, DIST JASHPUR 496331 in JASHPUR NAGAR, CHHATTISGARH. 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.