If you are searching for the IFSC code of Indian Overseas Bank, ARM BRANCH branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is IOBA0001996. 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 ARM BRANCH branch, and detailed step-by-step guides for using the IFSC IOBA0001996 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.
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, IOBA0001996 is the IFSC of Indian Overseas Bank's ARM BRANCH branch. The format is fixed: IOBA = bank code, 0 = reserved, 001996 = 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 Arm Branch branch in Kolkata, West Bengal is part of this network and uses the IFSC code IOBA0001996 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Arm Branch |
| IFSC Code | IOBA0001996 |
| MICR Code | Refer to cheque leaf |
| Branch Address | INDIAN OVERSEAS BANK, ASSET RECOVERY MANAGEMENT BRANCH, NO 3 CHOWRINGHEE APPROACH, KOLKATA - 700072 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| STD Code | 33 |
| Phone | 22124053 |
About this branch
The branch is located at INDIAN OVERSEAS BANK, ASSET RECOVERY MANAGEMENT BRANCH, NO 3 CHOWRINGHEE APPROACH, KOLKATA - 700072. It serves the Kolkata 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 IOBA0001996 is used to identify this branch on the RBI payments network.
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 ARM BRANCH branch came to be assigned the code IOBA0001996.
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 IOBA0001996, money simply cannot be routed to the ARM BRANCH branch electronically.
Products and account variants supported
Every account opened at the Arm Branch branch is mapped to IFSC IOBA0001996 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 IOBA0001996.
Banking services available
The Arm Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-22124053.
- 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 IOBA0001996
How to transfer money using IFSC IOBA0001996
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 IOBA0001996 across all three.
How to use IFSC IOBA0001996 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's ARM BRANCH 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 IOBA0001996.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as ARM BRANCH.
- 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 ARM BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's ARM BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001996 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – ARM BRANCH, use IMPS. With IFSC IOBA0001996 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 IOBA0001996 for Indian Overseas Bank – ARM 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.
| 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 – IOBA0001996 | Yes – IOBA0001996 | Yes – IOBA0001996 |
For most retail customers crediting the Arm 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 ARM BRANCH branch, the IFSC IOBA0001996 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 IOBA0001996
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the ARM 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 IOBA0001996 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 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 IOBA0001996 and the account number together uniquely identify the Arm Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – ARM BRANCH:
- The IFSC is exactly IOBA0001996 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 ARM 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.
Reaching the branch
The Arm Branch branch sits at INDIAN OVERSEAS BANK, ASSET RECOVERY MANAGEMENT BRANCH, NO 3 CHOWRINGHEE APPROACH, KOLKATA - 700072. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 33-22124053 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 IOBA0001996 and your account number.
Verifying IFSC IOBA0001996 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 IOBA0001996 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-22124053.
- 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 Arm Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001996, however, work 24x7.
Branch address & contact
Indian Overseas BankArm Branch Branch
INDIAN OVERSEAS BANK, ASSET RECOVERY MANAGEMENT BRANCH, NO 3 CHOWRINGHEE APPROACH, KOLKATA - 700072
Kolkata, West Bengal
Phone: 33-22124053
IFSC: IOBA0001996
Frequently asked questions
How quickly will an NEFT transfer using IOBA0001996 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Arm Branch reflect within 30 minutes.
Is IFSC IOBA0001996 the same for all accounts at Arm Branch branch?
Yes. The IFSC IOBA0001996 is shared by every account held at Indian Overseas Bank's Arm Branch branch. Only the account number changes from customer to customer.
Is IFSC IOBA0001996 valid for NEFT and RTGS?
Yes. IFSC IOBA0001996 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Overseas Bank Arm Branch branch?
You can reach the branch at 33-22124053 during regular banking hours.
Does Indian Overseas Bank Arm Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 33-22124053 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Arm Branch branch but serve different purposes.
Summary
The IFSC code IOBA0001996 belongs to Indian Overseas Bank's ARM BRANCH branch, located at INDIAN OVERSEAS BANK, ASSET RECOVERY MANAGEMENT BRANCH, NO 3 CHOWRINGHEE… in KOLKATA, WEST BENGAL. 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.
