Use this page as a one-stop reference for everything related to Indian Overseas Bank's KANKURGACHI branch in KANKURGACHI, WEST BENGAL. The branch's IFSC code IOBA0002237 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, IOBA0002237 is the IFSC of Indian Overseas Bank's KANKURGACHI branch. The format is fixed: IOBA = bank code, 0 = reserved, 002237 = branch identifier.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kankurgachi branch in Kankurgachi, West Bengal is part of this network and uses the IFSC code IOBA0002237 for all electronic settlement.
About this branch
The branch is located at P185 CIT ROAD,SCHEME VI M KOLKATA 700 054. It serves the Kankurgachi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0002237 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kankurgachi |
| IFSC Code | IOBA0002237 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P185 CIT ROAD,SCHEME VI M KOLKATA 700 054 |
| City | Kankurgachi |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 23202712 |
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 KANKURGACHI branch came to be assigned the code IOBA0002237.
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 IOBA0002237, money simply cannot be routed to the KANKURGACHI branch electronically.
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 IOBA0002237 and the account number together uniquely identify the Kankurgachi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0002237
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 IOBA0002237 across all three.
NEFT to Indian Overseas Bank, KANKURGACHI using IFSC IOBA0002237
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 IOBA0002237, and confirm that the system picks up Indian Overseas Bank – KANKURGACHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KANKURGACHI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KANKURGACHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002237 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank KANKURGACHI (IFSC IOBA0002237)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002237 in your mobile or internet banking app, and the money is credited to the KANKURGACHI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002237 for Indian Overseas Bank – KANKURGACHI, 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 – IOBA0002237 | Yes – IOBA0002237 | Yes – IOBA0002237 |
For most retail customers crediting the Kankurgachi 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 KANKURGACHI branch, the IFSC IOBA0002237 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 Kankurgachi branch is mapped to IFSC IOBA0002237 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 IOBA0002237.
Banking services available
The Kankurgachi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-23202712.
- 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 IOBA0002237
Digital banking channels
Most day-to-day work that customers used to do at the Kankurgachi 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 IOBA0002237 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.
Reaching the branch
The Kankurgachi branch sits at P185 CIT ROAD,SCHEME VI M KOLKATA 700 054. If you are travelling from outside Kankurgachi, search for the branch on a maps application using the bank name and locality, or call 33-23202712 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 IOBA0002237 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 – KANKURGACHI:
- The IFSC is exactly IOBA0002237 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 KANKURGACHI 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.
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 Kankurgachi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002237, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0002237 for Indian Overseas Bank – KANKURGACHI, 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 BankKankurgachi Branch
P185 CIT ROAD,SCHEME VI M KOLKATA 700 054
Kankurgachi, West Bengal
Phone: 33-23202712
IFSC: IOBA0002237
Frequently asked questions
How do I add Indian Overseas Bank Kankurgachi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002237, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Kankurgachi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-23202712 to confirm.
Is IFSC IOBA0002237 the same for all accounts at Kankurgachi branch?
Yes. The IFSC IOBA0002237 is shared by every account held at Indian Overseas Bank's Kankurgachi branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0002237 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kankurgachi reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Kankurgachi branch?
You can reach the branch at 33-23202712 during regular banking hours.
Is IFSC IOBA0002237 valid for NEFT and RTGS?
Yes. IFSC IOBA0002237 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IOBA0002237 is the IFSC code of Indian Overseas Bank, KANKURGACHI branch, in KANKURGACHI, WEST BENGAL. 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.
