Use this page as a one-stop reference for everything related to Indian Overseas Bank's NAGAURA branch in NAGOURA, UTTAR PRADESH. The branch's IFSC code IOBA0000984 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.
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, IOBA0000984 is the IFSC of Indian Overseas Bank's NAGAURA branch. The format is fixed: IOBA = bank code, 0 = reserved, 000984 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Nagaura |
| IFSC Code | IOBA0000984 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NAGAURA VILLAGE,NAGAURA,PIN 281204 |
| City | Nagoura |
| District | Mathura |
| State | Uttar Pradesh |
| Phone | 236685 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Nagaura branch in Nagoura. 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, IOBA0000984.
About this branch
The branch is located at NAGAURA VILLAGE,NAGAURA,PIN 281204. It serves the Nagoura 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 IOBA0000984 is used to identify this branch on the RBI payments network.
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 NAGAURA branch came to be assigned the code IOBA0000984.
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 IOBA0000984, money simply cannot be routed to the NAGAURA branch electronically.
How to transfer money using IFSC IOBA0000984
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 IOBA0000984 across all three.
How to use IFSC IOBA0000984 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's NAGAURA 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 IOBA0000984.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as NAGAURA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000984
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 – NAGAURA, ensure your bank's portal accepts IFSC IOBA0000984 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank NAGAURA (IFSC IOBA0000984)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000984 in your mobile or internet banking app, and the money is credited to the NAGAURA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Nagaura
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 IOBA0000984:
- 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 NAGAURA is still linked to IFSC IOBA0000984.
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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Overseas Bank's NAGAURA branch, the IFSC IOBA0000984 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Nagaura branch is mapped to IFSC IOBA0000984 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 IOBA0000984.
Banking services available
The Nagaura branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 236685.
- 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 IOBA0000984
MICR & cheque-truncation details
Cheques drawn on the Nagaura branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000984 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Nagaura 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 IOBA0000984 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.
Common mistakes to avoid when using IFSC IOBA0000984
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 – NAGAURA, 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:
IOBA0000984. - 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.
How to reach the Nagaura branch
The branch is located at NAGAURA VILLAGE,NAGAURA,PIN 281204, which puts it inside Nagoura, the broader Mathura district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Nagaura branch” — the verified location pin for IFSC IOBA0000984 should appear at the top of the results.
- Confirm the branch is open by calling 236685 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 IOBA0000984 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000984 for Indian Overseas Bank – NAGAURA, 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 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 Nagaura branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000984, however, work 24x7.
Branch address & contact
Indian Overseas BankNagaura Branch
NAGAURA VILLAGE,NAGAURA,PIN 281204
Nagoura, Uttar Pradesh
Phone: 236685
IFSC: IOBA0000984
Frequently asked questions
How quickly will an NEFT transfer using IOBA0000984 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Nagaura reflect within 30 minutes.
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 Nagaura branch but serve different purposes.
Can I use IFSC IOBA0000984 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000984 to send funds instantly.
Does Indian Overseas Bank Nagaura branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 236685 to confirm.
How do I add Indian Overseas Bank Nagaura as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000984, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Nagaura branch?
You can reach the branch at 236685 during regular banking hours.
Where is Indian Overseas Bank Nagaura branch located?
Indian Overseas Bank's Nagaura branch is located at NAGAURA VILLAGE,NAGAURA,PIN 281204, Nagoura, Uttar Pradesh.
Is IFSC IOBA0000984 the same for all accounts at Nagaura branch?
Yes. The IFSC IOBA0000984 is shared by every account held at Indian Overseas Bank's Nagaura branch. Only the account number changes from customer to customer.
Final notes
To recap: IOBA0000984 is the IFSC code of Indian Overseas Bank, NAGAURA branch, in NAGOURA, 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.
