IFSC Code of Indian Overseas Bank, P. Road-Kanpur Branch, Uttar Pradesh

If you are searching for the IFSC code of Indian Overseas Bank, P. ROAD-KANPUR branch in KANPUR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0003888. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the P. ROAD-KANPUR branch, and detailed step-by-step guides for using the IFSC IOBA0003888 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 P. ROAD-KANPUR branch, the IFSC IOBA0003888 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003888 identifies this particular branch.

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the P. Road-Kanpur branch in Kanpur. 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, IOBA0003888.

About this branch

The branch is located at 104A/298, P ROAD, RAMBAGH, OPPOSITE HARSAHAI PG COLLEGE, KANPUR, DISTRICT KANPUR, UTTAR PRADESH, PIN CODE 208012. It serves the Kanpur 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 IOBA0003888 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 P. ROAD-KANPUR branch came to be assigned the code IOBA0003888.

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 IOBA0003888, money simply cannot be routed to the P. ROAD-KANPUR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the P. Road-Kanpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003888 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 IOBA0003888

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 IOBA0003888 across all three.

How to use IFSC IOBA0003888 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's P. ROAD-KANPUR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0003888.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as P. ROAD-KANPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IOBA0003888

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 – P. ROAD-KANPUR, ensure your bank's portal accepts IFSC IOBA0003888 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Overseas Bank – P. ROAD-KANPUR, use IMPS. With IFSC IOBA0003888 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to P. Road-Kanpur

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 IOBA0003888:

• 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 P. ROAD-KANPUR is still linked to IFSC IOBA0003888.

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 P. ROAD-KANPUR branch, the IFSC IOBA0003888 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.

Account types you can open at the P. Road-Kanpur branch

Once you have an account at Indian Overseas Bank – P. ROAD-KANPUR, the IFSC IOBA0003888 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 P. Road-Kanpur 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 IOBA0003888

Online banking and IFSC IOBA0003888

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the P. ROAD-KANPUR 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 IOBA0003888 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 P. Road-Kanpur branch

The branch is located at 104A/298, P ROAD, RAMBAGH, OPPOSITE HARSAHAI PG COLLEGE, KANPUR, DISTRICT KANPUR, UTTAR PRADESH, PIN CODE 208012, which puts it inside Kanpur, the broader Kanpur district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank P. Road-Kanpur branch” — the verified location pin for IFSC IOBA0003888 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 IOBA0003888 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 – P. ROAD-KANPUR:

• The IFSC is exactly IOBA0003888 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 P. ROAD-KANPUR 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 P. Road-Kanpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003888, however, work 24x7.

Verifying IFSC IOBA0003888 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 IOBA0003888 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0003888 belongs to Indian Overseas Bank's P. ROAD-KANPUR branch, located at 104A/298, P ROAD, RAMBAGH, OPPOSITE HARSAHAI PG COLLEGE, KANPUR, DISTRICT… in KANPUR, 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.