Use this page as a one-stop reference for everything related to Indian Overseas Bank's SANTOSHPUR branch in KOLKATA, WEST BENGAL. The branch's IFSC code IOBA0001453 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, IOBA0001453 is the IFSC of Indian Overseas Bank's SANTOSHPUR branch. The format is fixed: IOBA = bank code, 0 = reserved, 001453 = 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 Santoshpur branch in Kolkata, West Bengal is part of this network and uses the IFSC code IOBA0001453 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Santoshpur |
| IFSC Code | IOBA0001453 |
| MICR Code | Refer to cheque leaf |
| Branch Address | B 175,SURVEY PARK,SANTHOSHPUR P S PURBA JADAVPUR,KOLKATA |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| Phone | 24164546 |
About the Santoshpur branch
The Santoshpur branch of Indian Overseas Bank is situated at B 175,SURVEY PARK,SANTHOSHPUR P S PURBA JADAVPUR,KOLKATA. 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 IOBA0001453 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 SANTOSHPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001453 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 IOBA0001453 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Santoshpur branch is mapped to IFSC IOBA0001453 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 IOBA0001453.
Banking services available
The Santoshpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 24164546.
- 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 IOBA0001453
How to transfer money using IFSC IOBA0001453
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 IOBA0001453 across all three.
How to use IFSC IOBA0001453 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's SANTOSHPUR 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 IOBA0001453.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as SANTOSHPUR.
- 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 SANTOSHPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's SANTOSHPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001453 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 – SANTOSHPUR, use IMPS. With IFSC IOBA0001453 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 IOBA0001453 for Indian Overseas Bank – SANTOSHPUR, 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 – IOBA0001453 | Yes – IOBA0001453 | Yes – IOBA0001453 |
For most retail customers crediting the Santoshpur 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 SANTOSHPUR branch, the IFSC IOBA0001453 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.
Digital banking channels
Most day-to-day work that customers used to do at the Santoshpur 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 IOBA0001453 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.
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 IOBA0001453 and the account number together uniquely identify the Santoshpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0001453
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Overseas Bank – SANTOSHPUR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IOBA0001453. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Santoshpur branch sits at B 175,SURVEY PARK,SANTHOSHPUR P S PURBA JADAVPUR,KOLKATA. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 24164546 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 IOBA0001453 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001453 for Indian Overseas Bank – SANTOSHPUR, 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 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 Santoshpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001453, however, work 24x7.
Branch address & contact
Indian Overseas BankSantoshpur Branch
B 175,SURVEY PARK,SANTHOSHPUR P S PURBA JADAVPUR,KOLKATA
Kolkata, West Bengal
Phone: 24164546
IFSC: IOBA0001453
Frequently asked questions
Where is Indian Overseas Bank Santoshpur branch located?
Indian Overseas Bank's Santoshpur branch is located at B 175,SURVEY PARK,SANTHOSHPUR P S PURBA JADAVPUR,KOLKATA, Kolkata, West Bengal.
What is the phone number of Indian Overseas Bank Santoshpur branch?
You can reach the branch at 24164546 during regular banking hours.
What is the IFSC code of Indian Overseas Bank Santoshpur branch?
The IFSC code of Indian Overseas Bank, Santoshpur branch is IOBA0001453. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Overseas Bank Santoshpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001453, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Santoshpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 24164546 to confirm.
How quickly will an NEFT transfer using IOBA0001453 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Santoshpur reflect within 30 minutes.
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 Santoshpur branch but serve different purposes.
Summary
The IFSC code IOBA0001453 belongs to Indian Overseas Bank's SANTOSHPUR branch, located at B 175,SURVEY PARK,SANTHOSHPUR P S PURBA JADAVPUR,KOLKATA 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.
