Use this page as a one-stop reference for everything related to Indian Overseas Bank's R O LUCKNOW branch in LUCKNOW, UTTAR PRADESH. The branch's IFSC code IOBA0000814 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.
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 – R O LUCKNOW is IOBA0000814. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000814 map to this branch in LUCKNOW, UTTAR PRADESH.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | R O Lucknow |
| IFSC Code | IOBA0000814 |
| MICR Code | Refer to cheque leaf |
| Branch Address | POST BOX NO 343 DOOR NO 10,NAV CHETNA KENDRA IIIFLOOR ASHOK MARG LUCKNOW PIN CODE 226001 |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 44 |
| Phone | 28584896 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its R O Lucknow branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code IOBA0000814 for all electronic settlement.
About this branch
The branch is located at POST BOX NO 343 DOOR NO 10,NAV CHETNA KENDRA IIIFLOOR ASHOK MARG LUCKNOW PIN CODE 226001. 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 IOBA0000814 is used to identify this branch on the RBI payments network.
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 R O LUCKNOW of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000814 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 IOBA0000814 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0000814
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 IOBA0000814 across all three.
NEFT to Indian Overseas Bank, R O LUCKNOW using IFSC IOBA0000814
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 IOBA0000814, and confirm that the system picks up Indian Overseas Bank – R O LUCKNOW. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to R O LUCKNOW
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's R O LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000814 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 – R O LUCKNOW, use IMPS. With IFSC IOBA0000814 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 R O Lucknow
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 IOBA0000814:
- 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 R O LUCKNOW is still linked to IFSC IOBA0000814.
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.
UPI payments and IFSC IOBA0000814
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 – R O LUCKNOW is still mapped to IFSC IOBA0000814. 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 IOBA0000814 and the beneficiary's account number to complete the transfer.
Account types you can open at the R O Lucknow branch
Once you have an account at Indian Overseas Bank – R O LUCKNOW, the IFSC IOBA0000814 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 R O Lucknow 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 IOBA0000814
MICR & cheque-truncation details
Cheques drawn on the R O Lucknow branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000814 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0000814
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the R O LUCKNOW 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 IOBA0000814 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.
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 – R O LUCKNOW:
- The IFSC is exactly IOBA0000814 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 R O LUCKNOW 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 R O Lucknow branch sits at POST BOX NO 343 DOOR NO 10,NAV CHETNA KENDRA IIIFLOOR ASHOK MARG LUCKNOW PIN CODE 226001. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0000814 and your account number.
Verifying IFSC IOBA0000814 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 IOBA0000814 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- 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 R O Lucknow branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000814, however, work 24x7.
Branch address & contact
Indian Overseas BankR O Lucknow Branch
POST BOX NO 343 DOOR NO 10,NAV CHETNA KENDRA IIIFLOOR ASHOK MARG LUCKNOW PIN CODE 226001
Lucknow, Uttar Pradesh
Phone: 44-28584896
IFSC: IOBA0000814
Frequently asked questions
What is the phone number of Indian Overseas Bank R O Lucknow branch?
You can reach the branch at 44-28584896 during regular banking hours.
Is IFSC IOBA0000814 the same for all accounts at R O Lucknow branch?
Yes. The IFSC IOBA0000814 is shared by every account held at Indian Overseas Bank's R O Lucknow branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank R O Lucknow as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000814, and complete OTP verification. Once activated, you can transfer funds at any time.
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 R O Lucknow branch but serve different purposes.
What is the IFSC code of Indian Overseas Bank R O Lucknow branch?
The IFSC code of Indian Overseas Bank, R O Lucknow branch is IOBA0000814. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0000814 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – R O Lucknow reflect within 30 minutes.
Does Indian Overseas Bank R O Lucknow branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Can I use IFSC IOBA0000814 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000814 to send funds instantly.
Final notes
To recap: IOBA0000814 is the IFSC code of Indian Overseas Bank, R O LUCKNOW 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.
