Below are the complete branch details for Indian Overseas Bank, AIRPORT ROAD branch, located in MOHALI, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003867. 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 IOBA0003867 for Indian Overseas Bank – AIRPORT ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 AIRPORT ROAD branch, the IFSC IOBA0003867 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003867 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Airport Road branch in Mohali. 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, IOBA0003867.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Airport Road |
| IFSC Code | IOBA0003867 |
| MICR Code | Refer to cheque leaf |
| Branch Address | INDIAN OVERSEAS BANK,SCO 27,MOHALI CITY CENTRE 1,BLOCK F,AERO CITY,MOHALI,PUNJAB,PIN 140603 |
| City | Mohali |
| District | Mohali |
| State | Punjab |
About the Airport Road branch
The Airport Road branch of Indian Overseas Bank is situated at INDIAN OVERSEAS BANK,SCO 27,MOHALI CITY CENTRE 1,BLOCK F,AERO CITY,MOHALI,PUNJAB,PIN 140603. 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 IOBA0003867 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 AIRPORT ROAD of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003867 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 IOBA0003867 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 Airport Road branch is mapped to IFSC IOBA0003867 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 IOBA0003867.
Products and services
Customers walking into the Airport Road 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 IOBA0003867
How to transfer money using IFSC IOBA0003867
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 IOBA0003867 across all three.
How to use IFSC IOBA0003867 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's AIRPORT ROAD 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 IOBA0003867.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as AIRPORT ROAD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0003867
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 – AIRPORT ROAD, ensure your bank's portal accepts IFSC IOBA0003867 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank AIRPORT ROAD (IFSC IOBA0003867)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003867 in your mobile or internet banking app, and the money is credited to the AIRPORT ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003867 for Indian Overseas Bank – AIRPORT ROAD, 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 – IOBA0003867 | Yes – IOBA0003867 | Yes – IOBA0003867 |
For most retail customers crediting the Airport Road 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 IOBA0003867
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 – AIRPORT ROAD is still mapped to IFSC IOBA0003867. 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 IOBA0003867 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0003867
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the AIRPORT ROAD 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 IOBA0003867 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 & cheque-truncation details
Cheques drawn on the Airport Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003867 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – AIRPORT ROAD:
- The IFSC is exactly IOBA0003867 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 AIRPORT ROAD 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.
How to reach the Airport Road branch
The branch is located at INDIAN OVERSEAS BANK,SCO 27,MOHALI CITY CENTRE 1,BLOCK F,AERO CITY,MOHALI,PUNJAB,PIN 140603, which puts it inside Mohali, the broader Mohali district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Airport Road branch” — the verified location pin for IFSC IOBA0003867 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 IOBA0003867 and your account number.
Verifying IFSC IOBA0003867 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 IOBA0003867 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- 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 Airport Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003867, however, work 24x7.
Branch address & contact
Indian Overseas BankAirport Road Branch
INDIAN OVERSEAS BANK,SCO 27,MOHALI CITY CENTRE 1,BLOCK F,AERO CITY,MOHALI,PUNJAB,PIN 140603
Mohali, Punjab
Phone: the branch contact number
IFSC: IOBA0003867
Frequently asked questions
How do I add Indian Overseas Bank Airport Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003867, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Airport Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Indian Overseas Bank Airport Road branch located?
Indian Overseas Bank's Airport Road branch is located at INDIAN OVERSEAS BANK,SCO 27,MOHALI CITY CENTRE 1,BLOCK F,AERO CITY,MOHALI,PUNJAB,PIN 140603, Mohali, Punjab.
Is IFSC IOBA0003867 the same for all accounts at Airport Road branch?
Yes. The IFSC IOBA0003867 is shared by every account held at Indian Overseas Bank's Airport Road branch. Only the account number changes from customer to customer.
Is IFSC IOBA0003867 valid for NEFT and RTGS?
Yes. IFSC IOBA0003867 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IOBA0003867 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003867 to send funds instantly.
Final notes
To recap: IOBA0003867 is the IFSC code of Indian Overseas Bank, AIRPORT ROAD branch, in MOHALI, PUNJAB. 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.
