Use this page as a one-stop reference for everything related to Indian Overseas Bank's SNMC NAVANAGAR branch in NAVANAGAR BAGALKOT, KARNATAKA. The branch's IFSC code IOBA0003822 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.
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 SNMC NAVANAGAR branch, the IFSC IOBA0003822 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003822 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Snmc Navanagar branch in Navanagar Bagalkot, Karnataka is part of this network and uses the IFSC code IOBA0003822 for all electronic settlement.
About this branch
The branch is located at SHOP NO 14 AND 15 , EXTENSION AT SNMC, SN MEDICAL COLLEGE AND HSK HOSPITAL APMC YARD, NAVANAGAR, BAGALKOT, KA- 587103. It serves the Navanagar Bagalkot 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 IOBA0003822 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Snmc Navanagar |
| IFSC Code | IOBA0003822 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO 14 AND 15 , EXTENSION AT SNMC, SN MEDICAL COLLEGE AND HSK HOSPITAL APMC YARD, NAVANAGAR, BAGALKOT, KA- 587103 |
| City | Navanagar Bagalkot |
| District | Bagalkot |
| State | Karnataka |
| Phone | 9945707009 |
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 SNMC NAVANAGAR branch came to be assigned the code IOBA0003822.
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 IOBA0003822, money simply cannot be routed to the SNMC NAVANAGAR branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Overseas Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IOBA0003822 and the account number together uniquely identify the Snmc Navanagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003822
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 IOBA0003822 across all three.
NEFT to Indian Overseas Bank, SNMC NAVANAGAR using IFSC IOBA0003822
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 IOBA0003822, and confirm that the system picks up Indian Overseas Bank – SNMC NAVANAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003822
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 – SNMC NAVANAGAR, ensure your bank's portal accepts IFSC IOBA0003822 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – SNMC NAVANAGAR, use IMPS. With IFSC IOBA0003822 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 IOBA0003822 for Indian Overseas Bank – SNMC NAVANAGAR, 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 – IOBA0003822 | Yes – IOBA0003822 | Yes – IOBA0003822 |
For most retail customers crediting the Snmc Navanagar 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.
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 SNMC NAVANAGAR branch, the IFSC IOBA0003822 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.
Account types you can open at the Snmc Navanagar branch
Once you have an account at Indian Overseas Bank – SNMC NAVANAGAR, the IFSC IOBA0003822 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 Snmc Navanagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9945707009.
- 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 IOBA0003822
Online banking and IFSC IOBA0003822
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the SNMC NAVANAGAR 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 IOBA0003822 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 Snmc Navanagar branch
The branch is located at SHOP NO 14 AND 15 , EXTENSION AT SNMC, SN MEDICAL COLLEGE AND HSK HOSPITAL APMC YARD, NAVANAGAR, BAGALKOT, KA- 587103, which puts it inside Navanagar Bagalkot, the broader Bagalkot district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Snmc Navanagar branch” — the verified location pin for IFSC IOBA0003822 should appear at the top of the results.
- Confirm the branch is open by calling 9945707009 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 IOBA0003822 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 – SNMC NAVANAGAR:
- The IFSC is exactly IOBA0003822 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 SNMC NAVANAGAR 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.
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 Snmc Navanagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003822, however, work 24x7.
Verifying IFSC IOBA0003822 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 IOBA0003822 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9945707009.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankSnmc Navanagar Branch
SHOP NO 14 AND 15 , EXTENSION AT SNMC, SN MEDICAL COLLEGE AND HSK HOSPITAL APMC YARD, NAVANAGAR, BAGALKOT, KA- 587103
Navanagar Bagalkot, Karnataka
Phone: 9945707009
IFSC: IOBA0003822
Frequently asked questions
Does Indian Overseas Bank Snmc Navanagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9945707009 to confirm.
Can I use IFSC IOBA0003822 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003822 to send funds instantly.
What is the phone number of Indian Overseas Bank Snmc Navanagar branch?
You can reach the branch at 9945707009 during regular banking hours.
Is IFSC IOBA0003822 the same for all accounts at Snmc Navanagar branch?
Yes. The IFSC IOBA0003822 is shared by every account held at Indian Overseas Bank's Snmc Navanagar branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0003822 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Snmc Navanagar reflect within 30 minutes.
Where is Indian Overseas Bank Snmc Navanagar branch located?
Indian Overseas Bank's Snmc Navanagar branch is located at SHOP NO 14 AND 15 , EXTENSION AT SNMC, SN MEDICAL COLLEGE AND HSK HOSPITAL APMC YARD, NAVANAGAR, BAGALKOT, KA- 587103, Navanagar Bagalkot, Karnataka.
Is IFSC IOBA0003822 valid for NEFT and RTGS?
Yes. IFSC IOBA0003822 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Snmc Navanagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003822, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0003822 belongs to Indian Overseas Bank's SNMC NAVANAGAR branch, located at SHOP NO 14 AND 15 , EXTENSION AT SNMC, SN MEDICAL COLLEGE AND HSK HOSPITAL… in NAVANAGAR BAGALKOT, KARNATAKA. 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.
