This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, JOWAI branch in JOWAI. The 11-digit IFSC IOBA0003520 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 JOWAI 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 – JOWAI is IOBA0003520. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003520 map to this branch in JOWAI, MEGHALAYA.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Jowai branch in Jowai. 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, IOBA0003520.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Jowai |
| IFSC Code | IOBA0003520 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PO JOWAI DIST WEST JAINTIA HILLS PIN 793150 MEGHALAYA |
| City | Jowai |
| District | Jaintia Hills |
| State | Meghalaya |
| STD Code | 361 |
| Phone | 2464397 |
About the Jowai branch
The Jowai branch of Indian Overseas Bank is situated at PO JOWAI DIST WEST JAINTIA HILLS PIN 793150 MEGHALAYA. 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 IOBA0003520 is used.
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 JOWAI branch came to be assigned the code IOBA0003520.
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 IOBA0003520, money simply cannot be routed to the JOWAI branch electronically.
Account types you can open at the Jowai branch
Once you have an account at Indian Overseas Bank – JOWAI, the IFSC IOBA0003520 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 Jowai 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 IOBA0003520
How to transfer money using IFSC IOBA0003520
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 IOBA0003520 across all three.
How to use IFSC IOBA0003520 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's JOWAI 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 IOBA0003520.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as JOWAI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0003520
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – JOWAI, ensure your bank's portal accepts IFSC IOBA0003520 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – JOWAI, use IMPS. With IFSC IOBA0003520 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 IOBA0003520 for Indian Overseas Bank – JOWAI, 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 – IOBA0003520 | Yes – IOBA0003520 | Yes – IOBA0003520 |
For most retail customers crediting the Jowai 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 JOWAI branch, the IFSC IOBA0003520 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 IOBA0003520
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the JOWAI 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 IOBA0003520 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 Jowai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003520 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 – JOWAI:
- The IFSC is exactly IOBA0003520 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 JOWAI 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 Jowai branch
The branch is located at PO JOWAI DIST WEST JAINTIA HILLS PIN 793150 MEGHALAYA, which puts it inside Jowai, the broader Jaintia Hills district, and the state of Meghalaya. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Jowai branch” — the verified location pin for IFSC IOBA0003520 should appear at the top of the results.
- Confirm the branch is open by calling 361-2464397 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 IOBA0003520 and your account number.
Verifying IFSC IOBA0003520 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 IOBA0003520 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 361-2464397.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Jowai 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 IOBA0003520 continue to work without interruption.
Branch address & contact
Indian Overseas BankJowai Branch
PO JOWAI DIST WEST JAINTIA HILLS PIN 793150 MEGHALAYA
Jowai, Meghalaya
Phone: 361-2464397
IFSC: IOBA0003520
Frequently asked questions
How quickly will an NEFT transfer using IOBA0003520 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Jowai reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Jowai branch?
The IFSC code of Indian Overseas Bank, Jowai branch is IOBA0003520. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Overseas Bank Jowai branch?
You can reach the branch at 361-2464397 during regular banking hours.
Where is Indian Overseas Bank Jowai branch located?
Indian Overseas Bank's Jowai branch is located at PO JOWAI DIST WEST JAINTIA HILLS PIN 793150 MEGHALAYA, Jowai, Meghalaya.
How do I add Indian Overseas Bank Jowai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003520, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0003520 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003520 to send funds instantly.
Is IFSC IOBA0003520 the same for all accounts at Jowai branch?
Yes. The IFSC IOBA0003520 is shared by every account held at Indian Overseas Bank's Jowai branch. Only the account number changes from customer to customer.
Final notes
To recap: IOBA0003520 is the IFSC code of Indian Overseas Bank, JOWAI branch, in JOWAI, MEGHALAYA. 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.
