If you are searching for the IFSC code of Indian Overseas Bank, PATHANKOT branch in PATHANKOT, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is IOBA0000581. 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 PATHANKOT branch, and detailed step-by-step guides for using the IFSC IOBA0000581 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.
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 PATHANKOT branch, the IFSC IOBA0000581 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000581 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 Pathankot branch in Pathankot, Punjab is part of this network and uses the IFSC code IOBA0000581 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Pathankot |
| IFSC Code | IOBA0000581 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 357 BY 358, DALHOUSIE ROAD, PATHANKOT GURDASPUR DT, PIN 145001 |
| City | Pathankot |
| District | Gurdaspur |
| State | Punjab |
| STD Code | 186 |
| Phone | 2221394 |
About the Pathankot branch
The Pathankot branch of Indian Overseas Bank is situated at 357 BY 358, DALHOUSIE ROAD, PATHANKOT GURDASPUR DT, PIN 145001. 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 IOBA0000581 is used.
Why every Indian Overseas Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including PATHANKOT of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000581 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IOBA0000581 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Pathankot branch
Once you have an account at Indian Overseas Bank – PATHANKOT, the IFSC IOBA0000581 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.
Products and services
Customers walking into the Pathankot 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 IOBA0000581
How to transfer money using IFSC IOBA0000581
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 IOBA0000581 across all three.
How to use IFSC IOBA0000581 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's PATHANKOT 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 IOBA0000581.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as PATHANKOT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000581
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 – PATHANKOT, ensure your bank's portal accepts IFSC IOBA0000581 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – PATHANKOT, use IMPS. With IFSC IOBA0000581 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 IOBA0000581 for Indian Overseas Bank – PATHANKOT, 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 – IOBA0000581 | Yes – IOBA0000581 | Yes – IOBA0000581 |
For most retail customers crediting the Pathankot 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 IOBA0000581
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 – PATHANKOT is still mapped to IFSC IOBA0000581. 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 IOBA0000581 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Pathankot 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 IOBA0000581 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.
MICR & cheque-truncation details
Cheques drawn on the Pathankot branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000581 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 IOBA0000581
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 – PATHANKOT, 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:
IOBA0000581. - 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 Pathankot branch sits at 357 BY 358, DALHOUSIE ROAD, PATHANKOT GURDASPUR DT, PIN 145001. If you are travelling from outside Pathankot, search for the branch on a maps application using the bank name and locality, or call 186-2221394 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 IOBA0000581 and your account number.
Verifying IFSC IOBA0000581 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 IOBA0000581 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 186-2221394.
- Visiting the bank's official branch locator page.
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 Pathankot branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000581, however, work 24x7.
Branch address & contact
Indian Overseas BankPathankot Branch
357 BY 358, DALHOUSIE ROAD, PATHANKOT GURDASPUR DT, PIN 145001
Pathankot, Punjab
Phone: 186-2221394
IFSC: IOBA0000581
Frequently asked questions
Does Indian Overseas Bank Pathankot branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 186-2221394 to confirm.
How do I add Indian Overseas Bank Pathankot as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000581, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Pathankot branch located?
Indian Overseas Bank's Pathankot branch is located at 357 BY 358, DALHOUSIE ROAD, PATHANKOT GURDASPUR DT, PIN 145001, Pathankot, Punjab.
How quickly will an NEFT transfer using IOBA0000581 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Pathankot reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Pathankot branch?
You can reach the branch at 186-2221394 during regular banking hours.
Can I use IFSC IOBA0000581 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000581 to send funds instantly.
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 Pathankot branch but serve different purposes.
Summary
The IFSC code IOBA0000581 belongs to Indian Overseas Bank's PATHANKOT branch, located at 357 BY 358, DALHOUSIE ROAD, PATHANKOT GURDASPUR DT, PIN 145001 in PATHANKOT, PUNJAB. 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.
