Use this page as a one-stop reference for everything related to Indian Overseas Bank's PADRAUNA branch in PADRAUNA, UTTAR PRADESH. The branch's IFSC code IOBA0004008 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 PADRAUNA branch, the IFSC IOBA0004008 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 004008 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 Padrauna branch in Padrauna, Uttar Pradesh is part of this network and uses the IFSC code IOBA0004008 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Padrauna |
| IFSC Code | IOBA0004008 |
| MICR Code | Refer to cheque leaf |
| Branch Address | K H NO 216, DDL COMPLEX, BAWALI CHOWK, PADRAUNA, DIST-KUSHINAGAR,UTTAR PRADESH 274304 |
| City | Padrauna |
| District | Kushinagar |
| State | Uttar Pradesh |
| STD Code | 5564 |
| Phone | 8925954008 |
About this branch
The branch is located at K H NO 216, DDL COMPLEX, BAWALI CHOWK, PADRAUNA, DIST-KUSHINAGAR,UTTAR PRADESH 274304. It serves the Padrauna 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 IOBA0004008 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 PADRAUNA branch came to be assigned the code IOBA0004008.
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 IOBA0004008, money simply cannot be routed to the PADRAUNA branch electronically.
Account types you can open at the Padrauna branch
Once you have an account at Indian Overseas Bank – PADRAUNA, the IFSC IOBA0004008 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 Padrauna branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5564-8925954008.
- 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 IOBA0004008
How to transfer money using IFSC IOBA0004008
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 IOBA0004008 across all three.
NEFT to Indian Overseas Bank, PADRAUNA using IFSC IOBA0004008
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 IOBA0004008, and confirm that the system picks up Indian Overseas Bank – PADRAUNA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0004008
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 – PADRAUNA, ensure your bank's portal accepts IFSC IOBA0004008 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank PADRAUNA (IFSC IOBA0004008)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0004008 in your mobile or internet banking app, and the money is credited to the PADRAUNA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0004008 for Indian Overseas Bank – PADRAUNA, 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 – IOBA0004008 | Yes – IOBA0004008 | Yes – IOBA0004008 |
For most retail customers crediting the Padrauna 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 IOBA0004008
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 – PADRAUNA is still mapped to IFSC IOBA0004008. 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 IOBA0004008 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0004008
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the PADRAUNA 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 IOBA0004008 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 Padrauna branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0004008 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0004008
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 – PADRAUNA, 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:
IOBA0004008. - 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.
Reaching the branch
The Padrauna branch sits at K H NO 216, DDL COMPLEX, BAWALI CHOWK, PADRAUNA, DIST-KUSHINAGAR,UTTAR PRADESH 274304. If you are travelling from outside Padrauna, search for the branch on a maps application using the bank name and locality, or call 5564-8925954008 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IOBA0004008 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0004008 for Indian Overseas Bank – PADRAUNA, 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 Padrauna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0004008, however, work 24x7.
Branch address & contact
Indian Overseas BankPadrauna Branch
K H NO 216, DDL COMPLEX, BAWALI CHOWK, PADRAUNA, DIST-KUSHINAGAR,UTTAR PRADESH 274304
Padrauna, Uttar Pradesh
Phone: 5564-8925954008
IFSC: IOBA0004008
Frequently asked questions
How quickly will an NEFT transfer using IOBA0004008 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Padrauna reflect within 30 minutes.
How do I add Indian Overseas Bank Padrauna as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0004008, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Padrauna branch located?
Indian Overseas Bank's Padrauna branch is located at K H NO 216, DDL COMPLEX, BAWALI CHOWK, PADRAUNA, DIST-KUSHINAGAR,UTTAR PRADESH 274304, Padrauna, Uttar Pradesh.
Is IFSC IOBA0004008 the same for all accounts at Padrauna branch?
Yes. The IFSC IOBA0004008 is shared by every account held at Indian Overseas Bank's Padrauna branch. Only the account number changes from customer to customer.
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 Padrauna branch but serve different purposes.
What is the phone number of Indian Overseas Bank Padrauna branch?
You can reach the branch at 5564-8925954008 during regular banking hours.
Can I use IFSC IOBA0004008 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0004008 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Padrauna branch?
The IFSC code of Indian Overseas Bank, Padrauna branch is IOBA0004008. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: IOBA0004008 is the IFSC code of Indian Overseas Bank, PADRAUNA branch, in PADRAUNA, 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.
