If you are searching for the IFSC code of Indian Overseas Bank, KHASPUR branch in PATNA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is IOBA0003792. 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 KHASPUR branch, and detailed step-by-step guides for using the IFSC IOBA0003792 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 KHASPUR branch, the IFSC IOBA0003792 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003792 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Khaspur branch in Patna. 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, IOBA0003792.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Khaspur |
| IFSC Code | IOBA0003792 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR KHASPUR PETROL PUMP MANER, PATNA |
| City | Patna |
| District | Patna |
| State | Bihar |
| STD Code | 612 |
| Phone | 2205300 |
About the Khaspur branch
The Khaspur branch of Indian Overseas Bank is situated at NEAR KHASPUR PETROL PUMP MANER, PATNA. 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 IOBA0003792 is used.
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 KHASPUR branch came to be assigned the code IOBA0003792.
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 IOBA0003792, money simply cannot be routed to the KHASPUR branch electronically.
Account types you can open at the Khaspur branch
Once you have an account at Indian Overseas Bank – KHASPUR, the IFSC IOBA0003792 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 Khaspur 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 IOBA0003792
How to transfer money using IFSC IOBA0003792
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 IOBA0003792 across all three.
NEFT to Indian Overseas Bank, KHASPUR using IFSC IOBA0003792
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 IOBA0003792, and confirm that the system picks up Indian Overseas Bank – KHASPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003792
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 – KHASPUR, ensure your bank's portal accepts IFSC IOBA0003792 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – KHASPUR, use IMPS. With IFSC IOBA0003792 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 IOBA0003792 for Indian Overseas Bank – KHASPUR, 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 – IOBA0003792 | Yes – IOBA0003792 | Yes – IOBA0003792 |
For most retail customers crediting the Khaspur 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 IOBA0003792
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 – KHASPUR is still mapped to IFSC IOBA0003792. 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 IOBA0003792 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0003792
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KHASPUR 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 IOBA0003792 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 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 IOBA0003792 and the account number together uniquely identify the Khaspur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – KHASPUR:
- The IFSC is exactly IOBA0003792 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 KHASPUR 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.
How to reach the Khaspur branch
The branch is located at NEAR KHASPUR PETROL PUMP MANER, PATNA, which puts it inside Patna, the broader Patna district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Khaspur branch” — the verified location pin for IFSC IOBA0003792 should appear at the top of the results.
- Confirm the branch is open by calling 612-2205300 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 IOBA0003792 and your account number.
Verifying IFSC IOBA0003792 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 IOBA0003792 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 612-2205300.
- 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 Khaspur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003792, however, work 24x7.
Branch address & contact
Indian Overseas BankKhaspur Branch
NEAR KHASPUR PETROL PUMP MANER, PATNA
Patna, Bihar
Phone: 612-2205300
IFSC: IOBA0003792
Frequently asked questions
Is IFSC IOBA0003792 valid for NEFT and RTGS?
Yes. IFSC IOBA0003792 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Khaspur branch but serve different purposes.
What is the IFSC code of Indian Overseas Bank Khaspur branch?
The IFSC code of Indian Overseas Bank, Khaspur branch is IOBA0003792. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0003792 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003792 to send funds instantly.
How quickly will an NEFT transfer using IOBA0003792 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Khaspur reflect within 30 minutes.
Does Indian Overseas Bank Khaspur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 612-2205300 to confirm.
How do I add Indian Overseas Bank Khaspur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003792, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Khaspur branch located?
Indian Overseas Bank's Khaspur branch is located at NEAR KHASPUR PETROL PUMP MANER, PATNA, Patna, Bihar.
Summary
The IFSC code IOBA0003792 belongs to Indian Overseas Bank's KHASPUR branch, located at NEAR KHASPUR PETROL PUMP MANER, PATNA in PATNA, BIHAR. 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.
