This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, JORHAT branch in JORHAT. The 11-digit IFSC IOBA0001588 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 JORHAT 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.
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 JORHAT branch, the IFSC IOBA0001588 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001588 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Jorhat |
| IFSC Code | IOBA0001588 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1 FLOOR AGRASEN COMPLEX GARHALI JORHAT PIN 785001 |
| City | Jorhat |
| District | Jorhat |
| State | Assam |
| Phone | 2250587 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Jorhat branch in Jorhat. 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, IOBA0001588.
About the Jorhat branch
The Jorhat branch of Indian Overseas Bank is situated at 1 FLOOR AGRASEN COMPLEX GARHALI JORHAT PIN 785001. 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 IOBA0001588 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 JORHAT of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001588 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 IOBA0001588 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0001588
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 IOBA0001588 across all three.
How to use IFSC IOBA0001588 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's JORHAT 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 IOBA0001588.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as JORHAT.
- 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 JORHAT
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's JORHAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001588 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank JORHAT (IFSC IOBA0001588)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001588 in your mobile or internet banking app, and the money is credited to the JORHAT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0001588 for Indian Overseas Bank – JORHAT, 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 – IOBA0001588 | Yes – IOBA0001588 | Yes – IOBA0001588 |
For most retail customers crediting the Jorhat 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 JORHAT branch, the IFSC IOBA0001588 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 Jorhat branch is mapped to IFSC IOBA0001588 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 IOBA0001588.
Banking services available
The Jorhat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2250587.
- 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 IOBA0001588
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 IOBA0001588 and the account number together uniquely identify the Jorhat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Jorhat 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 IOBA0001588 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.
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 – JORHAT:
- The IFSC is exactly IOBA0001588 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 JORHAT 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 Jorhat branch
The branch is located at 1 FLOOR AGRASEN COMPLEX GARHALI JORHAT PIN 785001, which puts it inside Jorhat, the broader Jorhat district, and the state of Assam. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Jorhat branch” — the verified location pin for IFSC IOBA0001588 should appear at the top of the results.
- Confirm the branch is open by calling 2250587 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 IOBA0001588 and your account number.
Verifying IFSC IOBA0001588 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 IOBA0001588 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2250587.
- 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 Jorhat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001588, however, work 24x7.
Branch address & contact
Indian Overseas BankJorhat Branch
1 FLOOR AGRASEN COMPLEX GARHALI JORHAT PIN 785001
Jorhat, Assam
Phone: 2250587
IFSC: IOBA0001588
Frequently asked questions
Is IFSC IOBA0001588 the same for all accounts at Jorhat branch?
Yes. The IFSC IOBA0001588 is shared by every account held at Indian Overseas Bank's Jorhat branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Jorhat branch?
You can reach the branch at 2250587 during regular banking hours.
How do I add Indian Overseas Bank Jorhat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001588, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0001588 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Jorhat reflect within 30 minutes.
Where is Indian Overseas Bank Jorhat branch located?
Indian Overseas Bank's Jorhat branch is located at 1 FLOOR AGRASEN COMPLEX GARHALI JORHAT PIN 785001, Jorhat, Assam.
Can I use IFSC IOBA0001588 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001588 to send funds instantly.
Is IFSC IOBA0001588 valid for NEFT and RTGS?
Yes. IFSC IOBA0001588 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Overseas Bank Jorhat branch?
The IFSC code of Indian Overseas Bank, Jorhat branch is IOBA0001588. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0001588 belongs to Indian Overseas Bank's JORHAT branch, located at 1 FLOOR AGRASEN COMPLEX GARHALI JORHAT PIN 785001 in JORHAT, ASSAM. 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.
