Below are the complete branch details for Indian Overseas Bank, PATNA SAHIB branch, located in PATNA, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003948. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0003948 for Indian Overseas Bank – PATNA SAHIB — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Overseas Bank – PATNA SAHIB is IOBA0003948. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003948 map to this branch in PATNA, BIHAR.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Patna Sahib 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, IOBA0003948.
Patna Sahib branch overview
Located at 1ST FLOOR HARIHAR BHAWAN PATNA CITY CHOWK, the Patna Sahib branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003948 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Patna Sahib |
| IFSC Code | IOBA0003948 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1ST FLOOR HARIHAR BHAWAN PATNA CITY CHOWK |
| City | Patna |
| District | Patna |
| State | Bihar |
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 PATNA SAHIB branch came to be assigned the code IOBA0003948.
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 IOBA0003948, money simply cannot be routed to the PATNA SAHIB 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 IOBA0003948 and the account number together uniquely identify the Patna Sahib branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003948
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 IOBA0003948 across all three.
NEFT to Indian Overseas Bank, PATNA SAHIB using IFSC IOBA0003948
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 IOBA0003948, and confirm that the system picks up Indian Overseas Bank – PATNA SAHIB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PATNA SAHIB
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's PATNA SAHIB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003948 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank PATNA SAHIB (IFSC IOBA0003948)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003948 in your mobile or internet banking app, and the money is credited to the PATNA SAHIB branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Patna Sahib
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 IOBA0003948:
- 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 PATNA SAHIB is still linked to IFSC IOBA0003948.
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 PATNA SAHIB branch, the IFSC IOBA0003948 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 Patna Sahib branch is mapped to IFSC IOBA0003948 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 IOBA0003948.
Products and services
Customers walking into the Patna Sahib 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 IOBA0003948
Digital banking channels
Most day-to-day work that customers used to do at the Patna Sahib 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 IOBA0003948 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.
Reaching the branch
The Patna Sahib branch sits at 1ST FLOOR HARIHAR BHAWAN PATNA CITY CHOWK. If you are travelling from outside Patna, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 IOBA0003948 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 – PATNA SAHIB:
- The IFSC is exactly IOBA0003948 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 PATNA SAHIB 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.
Working hours
Branch counters at Patna Sahib are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IOBA0003948 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003948 for Indian Overseas Bank – PATNA SAHIB, 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 address & contact
Indian Overseas BankPatna Sahib Branch
1ST FLOOR HARIHAR BHAWAN PATNA CITY CHOWK
Patna, Bihar
Phone: the branch contact number
IFSC: IOBA0003948
Frequently asked questions
Does Indian Overseas Bank Patna Sahib branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the IFSC code of Indian Overseas Bank Patna Sahib branch?
The IFSC code of Indian Overseas Bank, Patna Sahib branch is IOBA0003948. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0003948 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Patna Sahib reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Patna Sahib branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add Indian Overseas Bank Patna Sahib as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003948, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003948 the same for all accounts at Patna Sahib branch?
Yes. The IFSC IOBA0003948 is shared by every account held at Indian Overseas Bank's Patna Sahib branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Patna Sahib branch located?
Indian Overseas Bank's Patna Sahib branch is located at 1ST FLOOR HARIHAR BHAWAN PATNA CITY CHOWK, Patna, Bihar.
Final notes
To recap: IOBA0003948 is the IFSC code of Indian Overseas Bank, PATNA SAHIB branch, in PATNA, BIHAR. 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.
