Below are the complete branch details for Indian Overseas Bank, JUHU branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000199. 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 IOBA0000199 for Indian Overseas Bank – JUHU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IOBA0000199 is the IFSC of Indian Overseas Bank's JUHU branch. The format is fixed: IOBA = bank code, 0 = reserved, 000199 = 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 Juhu branch in Mumbai, Maharashtra is part of this network and uses the IFSC code IOBA0000199 for all electronic settlement.
About the Juhu branch
The Juhu branch of Indian Overseas Bank is situated at 28, ASHOK NAGAR SOCIETY, NARSEE MONJEE ROAD, JUHU, MUMBAI - 400049. 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 IOBA0000199 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Juhu |
| IFSC Code | IOBA0000199 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 28, ASHOK NAGAR SOCIETY, NARSEE MONJEE ROAD, JUHU, MUMBAI - 400049 |
| City | Mumbai |
| District | Greater Bombay |
| State | Maharashtra |
| Phone | 26142758 |
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 JUHU branch came to be assigned the code IOBA0000199.
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 IOBA0000199, money simply cannot be routed to the JUHU branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Juhu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000199 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0000199
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 IOBA0000199 across all three.
NEFT to Indian Overseas Bank, JUHU using IFSC IOBA0000199
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 IOBA0000199, and confirm that the system picks up Indian Overseas Bank – JUHU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JUHU
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's JUHU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000199 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank JUHU (IFSC IOBA0000199)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000199 in your mobile or internet banking app, and the money is credited to the JUHU branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Juhu
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 IOBA0000199:
- 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 JUHU is still linked to IFSC IOBA0000199.
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 IOBA0000199
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 – JUHU is still mapped to IFSC IOBA0000199. 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 IOBA0000199 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Juhu branch is mapped to IFSC IOBA0000199 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 IOBA0000199.
Products and services
Customers walking into the Juhu 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 IOBA0000199
Online banking and IFSC IOBA0000199
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the JUHU 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 IOBA0000199 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.
How to reach the Juhu branch
The branch is located at 28, ASHOK NAGAR SOCIETY, NARSEE MONJEE ROAD, JUHU, MUMBAI - 400049, which puts it inside Mumbai, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Juhu branch” — the verified location pin for IFSC IOBA0000199 should appear at the top of the results.
- Confirm the branch is open by calling 26142758 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 IOBA0000199 and your account number.
Common mistakes to avoid when using IFSC IOBA0000199
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 – JUHU, 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:
IOBA0000199. - 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.
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 Juhu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000199, however, work 24x7.
Verifying IFSC IOBA0000199 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 IOBA0000199 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 26142758.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankJuhu Branch
28, ASHOK NAGAR SOCIETY, NARSEE MONJEE ROAD, JUHU, MUMBAI - 400049
Mumbai, Maharashtra
Phone: 26142758
IFSC: IOBA0000199
Frequently asked questions
How do I add Indian Overseas Bank Juhu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000199, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0000199 the same for all accounts at Juhu branch?
Yes. The IFSC IOBA0000199 is shared by every account held at Indian Overseas Bank's Juhu branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Juhu branch located?
Indian Overseas Bank's Juhu branch is located at 28, ASHOK NAGAR SOCIETY, NARSEE MONJEE ROAD, JUHU, MUMBAI - 400049, Mumbai, Maharashtra.
Can I use IFSC IOBA0000199 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000199 to send funds instantly.
What is the phone number of Indian Overseas Bank Juhu branch?
You can reach the branch at 26142758 during regular banking hours.
How quickly will an NEFT transfer using IOBA0000199 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Juhu reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Juhu branch?
The IFSC code of Indian Overseas Bank, Juhu branch is IOBA0000199. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000199 valid for NEFT and RTGS?
Yes. IFSC IOBA0000199 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IOBA0000199 is the IFSC code of Indian Overseas Bank, JUHU branch, in MUMBAI, MAHARASHTRA. 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.
