If you are searching for the IFSC code of Indian Overseas Bank, BIHARIA GURUDASPUR branch in MURSHIDABAD, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is IOBA0003486. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BIHARIA GURUDASPUR branch, and detailed step-by-step guides for using the IFSC IOBA0003486 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, IOBA0003486 is the IFSC of Indian Overseas Bank's BIHARIA GURUDASPUR branch. The format is fixed: IOBA = bank code, 0 = reserved, 003486 = 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 Biharia Gurudaspur branch in Murshidabad, West Bengal is part of this network and uses the IFSC code IOBA0003486 for all electronic settlement.
About the Biharia Gurudaspur branch
The Biharia Gurudaspur branch of Indian Overseas Bank is situated at VILLAGE GURUDASPUR,C/O BANSHIBADAN BAISWAS,PO RAJNAGAR,PS HARIHARPARA,MURSHIDABAD DIST,WEST BENGAL - 742175. 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 IOBA0003486 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Biharia Gurudaspur |
| IFSC Code | IOBA0003486 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILLAGE GURUDASPUR,C/O BANSHIBADAN BAISWAS,PO RAJNAGAR,PS HARIHARPARA,MURSHIDABAD DIST,WEST BENGAL - 742175 |
| City | Murshidabad |
| District | Murshidabad |
| State | West Bengal |
| STD Code | 20 |
| Phone | 25665822 |
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 BIHARIA GURUDASPUR branch came to be assigned the code IOBA0003486.
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 IOBA0003486, money simply cannot be routed to the BIHARIA GURUDASPUR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Biharia Gurudaspur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003486 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 IOBA0003486
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 IOBA0003486 across all three.
NEFT to Indian Overseas Bank, BIHARIA GURUDASPUR using IFSC IOBA0003486
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 IOBA0003486, and confirm that the system picks up Indian Overseas Bank – BIHARIA GURUDASPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BIHARIA GURUDASPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's BIHARIA GURUDASPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003486 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 – BIHARIA GURUDASPUR, use IMPS. With IFSC IOBA0003486 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 IOBA0003486 for Indian Overseas Bank – BIHARIA GURUDASPUR, 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 – IOBA0003486 | Yes – IOBA0003486 | Yes – IOBA0003486 |
For most retail customers crediting the Biharia Gurudaspur 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 IOBA0003486
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 – BIHARIA GURUDASPUR is still mapped to IFSC IOBA0003486. 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 IOBA0003486 and the beneficiary's account number to complete the transfer.
Account types you can open at the Biharia Gurudaspur branch
Once you have an account at Indian Overseas Bank – BIHARIA GURUDASPUR, the IFSC IOBA0003486 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.
Banking services available
The Biharia Gurudaspur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-25665822.
- 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 IOBA0003486
Digital banking channels
Most day-to-day work that customers used to do at the Biharia Gurudaspur 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 IOBA0003486 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.
How to reach the Biharia Gurudaspur branch
The branch is located at VILLAGE GURUDASPUR,C/O BANSHIBADAN BAISWAS,PO RAJNAGAR,PS HARIHARPARA,MURSHIDABAD DIST,WEST BENGAL - 742175, which puts it inside Murshidabad, the broader Murshidabad district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Biharia Gurudaspur branch” — the verified location pin for IFSC IOBA0003486 should appear at the top of the results.
- Confirm the branch is open by calling 20-25665822 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 IOBA0003486 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 – BIHARIA GURUDASPUR:
- The IFSC is exactly IOBA0003486 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 BIHARIA GURUDASPUR 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 Biharia Gurudaspur 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 IOBA0003486 continue to work without interruption.
Verifying IFSC IOBA0003486 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 IOBA0003486 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 20-25665822.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankBiharia Gurudaspur Branch
VILLAGE GURUDASPUR,C/O BANSHIBADAN BAISWAS,PO RAJNAGAR,PS HARIHARPARA,MURSHIDABAD DIST,WEST BENGAL - 742175
Murshidabad, West Bengal
Phone: 20-25665822
IFSC: IOBA0003486
Frequently asked questions
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 Biharia Gurudaspur branch but serve different purposes.
How do I add Indian Overseas Bank Biharia Gurudaspur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003486, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003486 the same for all accounts at Biharia Gurudaspur branch?
Yes. The IFSC IOBA0003486 is shared by every account held at Indian Overseas Bank's Biharia Gurudaspur branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Biharia Gurudaspur branch?
You can reach the branch at 20-25665822 during regular banking hours.
What is the IFSC code of Indian Overseas Bank Biharia Gurudaspur branch?
The IFSC code of Indian Overseas Bank, Biharia Gurudaspur branch is IOBA0003486. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0003486 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003486 to send funds instantly.
Is IFSC IOBA0003486 valid for NEFT and RTGS?
Yes. IFSC IOBA0003486 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Biharia Gurudaspur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 20-25665822 to confirm.
Summary
The IFSC code IOBA0003486 belongs to Indian Overseas Bank's BIHARIA GURUDASPUR branch, located at VILLAGE GURUDASPUR,C/O BANSHIBADAN BAISWAS,PO RAJNAGAR,PS… in MURSHIDABAD, 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.
