IFSC Code of Indian Overseas Bank, Phulwari Sharif Branch, Bihar

Use this page as a one-stop reference for everything related to Indian Overseas Bank's PHULWARI SHARIF branch in PATNA, BIHAR. The branch's IFSC code IOBA0004012 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.

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 – PHULWARI SHARIF is IOBA0004012. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004012 map to this branch in PATNA, BIHAR.

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Phulwari Sharif branch — IFSC IOBA0004012 — extends the bank's services to customers in and around Patna, Bihar.

Branch details at a glance

About this branch

The branch is located at GROUND FLOOR, PRABHA COMPLEX, CHHEDI TOLA NEAR AIIMS, PHULWARI SHARIF, DISTRICT PATNA, BIHAR, PIN 801505. It serves the Patna 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 IOBA0004012 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 PHULWARI SHARIF branch came to be assigned the code IOBA0004012.

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 IOBA0004012, money simply cannot be routed to the PHULWARI SHARIF branch electronically.

Account types you can open at the Phulwari Sharif branch

Once you have an account at Indian Overseas Bank – PHULWARI SHARIF, the IFSC IOBA0004012 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 Phulwari Sharif 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 IOBA0004012

How to transfer money using IFSC IOBA0004012

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 IOBA0004012 across all three.

How to use IFSC IOBA0004012 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's PHULWARI SHARIF 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0004012.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as PHULWARI SHARIF.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IOBA0004012

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 – PHULWARI SHARIF, ensure your bank's portal accepts IFSC IOBA0004012 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank PHULWARI SHARIF (IFSC IOBA0004012)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0004012 in your mobile or internet banking app, and the money is credited to the PHULWARI SHARIF branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0004012 for Indian Overseas Bank – PHULWARI SHARIF, 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.

For most retail customers crediting the Phulwari Sharif 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 IOBA0004012

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 – PHULWARI SHARIF is still mapped to IFSC IOBA0004012. 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 IOBA0004012 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IOBA0004012

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the PHULWARI SHARIF 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 IOBA0004012 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 IOBA0004012 and the account number together uniquely identify the Phulwari Sharif branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IOBA0004012

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 – PHULWARI SHARIF, 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: IOBA0004012.
• 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.

How to reach the Phulwari Sharif branch

The branch is located at GROUND FLOOR, PRABHA COMPLEX, CHHEDI TOLA NEAR AIIMS, PHULWARI SHARIF, DISTRICT PATNA, BIHAR, PIN 801505, which puts it inside Patna, the broader Patna district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Phulwari Sharif branch” — the verified location pin for IFSC IOBA0004012 should appear at the top of the results.
2. Confirm the branch is open by calling 0 before stepping out, especially around public holidays.
3. 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 IOBA0004012 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0004012 for Indian Overseas Bank – PHULWARI SHARIF, 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.

Working hours

Branch counters at Phulwari Sharif 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 IOBA0004012 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0004012 belongs to Indian Overseas Bank's PHULWARI SHARIF branch, located at GROUND FLOOR, PRABHA COMPLEX, CHHEDI TOLA NEAR AIIMS, PHULWARI SHARIF,… 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.