Below are the complete branch details for Indian Overseas Bank, BHITHAULI branch, located in LUCKNOW, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003827. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0003827 for Indian Overseas Bank – BHITHAULI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – BHITHAULI is IOBA0003827. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003827 map to this branch in LUCKNOW, UTTAR PRADESH.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Bhithauli branch in Lucknow. 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, IOBA0003827.
About this branch
The branch is located at SECTOR 7/391,JANAKIPURAM VISTAR IN FRONT OF ST.MERRY INTER COLLEGE NEAR BHAWANI CHAURAHA LUCKNOW 226021. It serves the Lucknow 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 IOBA0003827 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Bhithauli |
| IFSC Code | IOBA0003827 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SECTOR 7/391,JANAKIPURAM VISTAR IN FRONT OF ST.MERRY INTER COLLEGE NEAR BHAWANI CHAURAHA LUCKNOW 226021 |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 91 |
| Phone | 8347966797 |
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 BHITHAULI branch came to be assigned the code IOBA0003827.
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 IOBA0003827, money simply cannot be routed to the BHITHAULI 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 IOBA0003827 and the account number together uniquely identify the Bhithauli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003827
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 IOBA0003827 across all three.
NEFT to Indian Overseas Bank, BHITHAULI using IFSC IOBA0003827
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 IOBA0003827, and confirm that the system picks up Indian Overseas Bank – BHITHAULI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BHITHAULI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's BHITHAULI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003827 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 – BHITHAULI, use IMPS. With IFSC IOBA0003827 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 IOBA0003827 for Indian Overseas Bank – BHITHAULI, 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 – IOBA0003827 | Yes – IOBA0003827 | Yes – IOBA0003827 |
For most retail customers crediting the Bhithauli 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.
UPI payments and IFSC IOBA0003827
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Overseas Bank – BHITHAULI is still mapped to IFSC IOBA0003827. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IOBA0003827 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bhithauli branch is mapped to IFSC IOBA0003827 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 IOBA0003827.
Banking services available
The Bhithauli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-8347966797.
- 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 IOBA0003827
Online banking and IFSC IOBA0003827
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the BHITHAULI 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 IOBA0003827 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.
Reaching the branch
The Bhithauli branch sits at SECTOR 7/391,JANAKIPURAM VISTAR IN FRONT OF ST.MERRY INTER COLLEGE NEAR BHAWANI CHAURAHA LUCKNOW 226021. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 91-8347966797 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 IOBA0003827 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 – BHITHAULI:
- The IFSC is exactly IOBA0003827 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 BHITHAULI 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.
Working hours
Branch counters at Bhithauli 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 IOBA0003827 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003827 for Indian Overseas Bank – BHITHAULI, 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 BankBhithauli Branch
SECTOR 7/391,JANAKIPURAM VISTAR IN FRONT OF ST.MERRY INTER COLLEGE NEAR BHAWANI CHAURAHA LUCKNOW 226021
Lucknow, Uttar Pradesh
Phone: 91-8347966797
IFSC: IOBA0003827
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Bhithauli branch?
The IFSC code of Indian Overseas Bank, Bhithauli branch is IOBA0003827. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Overseas Bank Bhithauli branch?
You can reach the branch at 91-8347966797 during regular banking hours.
Is IFSC IOBA0003827 the same for all accounts at Bhithauli branch?
Yes. The IFSC IOBA0003827 is shared by every account held at Indian Overseas Bank's Bhithauli branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank Bhithauli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003827, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003827 valid for NEFT and RTGS?
Yes. IFSC IOBA0003827 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Bhithauli branch located?
Indian Overseas Bank's Bhithauli branch is located at SECTOR 7/391,JANAKIPURAM VISTAR IN FRONT OF ST.MERRY INTER COLLEGE NEAR BHAWANI CHAURAHA LUCKNOW 226021, Lucknow, Uttar Pradesh.
Can I use IFSC IOBA0003827 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003827 to send funds instantly.
Final notes
To recap: IOBA0003827 is the IFSC code of Indian Overseas Bank, BHITHAULI branch, in LUCKNOW, UTTAR PRADESH. 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.
