Below are the complete branch details for Indian Overseas Bank, RACHHOTI branch, located in RACHHOTI, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0000985. 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 IOBA0000985 for Indian Overseas Bank – RACHHOTI — 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 – RACHHOTI is IOBA0000985. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000985 map to this branch in RACHHOTI, UTTAR PRADESH.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rachhoti branch — IFSC IOBA0000985 — extends the bank's services to customers in and around Rachhoti, Uttar Pradesh.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Rachhoti |
| IFSC Code | IOBA0000985 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VIL AND P OHASSANPURKALAN GARH ROAD RACHHOTI PIN 250106 |
| City | Rachhoti |
| District | Meerut |
| State | Uttar Pradesh |
| STD Code | 1233 |
| Phone | 257437 |
About the Rachhoti branch
The Rachhoti branch of Indian Overseas Bank is situated at VIL AND P OHASSANPURKALAN GARH ROAD RACHHOTI PIN 250106. 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 IOBA0000985 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 RACHHOTI branch came to be assigned the code IOBA0000985.
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 IOBA0000985, money simply cannot be routed to the RACHHOTI branch electronically.
Account types you can open at the Rachhoti branch
Once you have an account at Indian Overseas Bank – RACHHOTI, the IFSC IOBA0000985 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 Rachhoti 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 IOBA0000985
How to transfer money using IFSC IOBA0000985
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 IOBA0000985 across all three.
How to use IFSC IOBA0000985 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's RACHHOTI 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 IOBA0000985.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as RACHHOTI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000985
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 – RACHHOTI, ensure your bank's portal accepts IFSC IOBA0000985 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – RACHHOTI, use IMPS. With IFSC IOBA0000985 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 IOBA0000985 for Indian Overseas Bank – RACHHOTI, 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 – IOBA0000985 | Yes – IOBA0000985 | Yes – IOBA0000985 |
For most retail customers crediting the Rachhoti 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.
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 RACHHOTI branch, the IFSC IOBA0000985 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.
Online banking and IFSC IOBA0000985
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the RACHHOTI 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 IOBA0000985 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 IOBA0000985 and the account number together uniquely identify the Rachhoti 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 IOBA0000985
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 – RACHHOTI, 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:
IOBA0000985. - 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 Rachhoti branch
The branch is located at VIL AND P OHASSANPURKALAN GARH ROAD RACHHOTI PIN 250106, which puts it inside Rachhoti, the broader Meerut district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Rachhoti branch” — the verified location pin for IFSC IOBA0000985 should appear at the top of the results.
- Confirm the branch is open by calling 1233-257437 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 IOBA0000985 and your account number.
Verifying IFSC IOBA0000985 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 IOBA0000985 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1233-257437.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Rachhoti 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 IOBA0000985 continue to work without interruption.
Branch address & contact
Indian Overseas BankRachhoti Branch
VIL AND P OHASSANPURKALAN GARH ROAD RACHHOTI PIN 250106
Rachhoti, Uttar Pradesh
Phone: 1233-257437
IFSC: IOBA0000985
Frequently asked questions
What is the phone number of Indian Overseas Bank Rachhoti branch?
You can reach the branch at 1233-257437 during regular banking hours.
Where is Indian Overseas Bank Rachhoti branch located?
Indian Overseas Bank's Rachhoti branch is located at VIL AND P OHASSANPURKALAN GARH ROAD RACHHOTI PIN 250106, Rachhoti, Uttar Pradesh.
How quickly will an NEFT transfer using IOBA0000985 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Rachhoti reflect within 30 minutes.
Can I use IFSC IOBA0000985 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000985 to send funds instantly.
Is IFSC IOBA0000985 valid for NEFT and RTGS?
Yes. IFSC IOBA0000985 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Rachhoti branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1233-257437 to confirm.
What is the IFSC code of Indian Overseas Bank Rachhoti branch?
The IFSC code of Indian Overseas Bank, Rachhoti branch is IOBA0000985. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000985 the same for all accounts at Rachhoti branch?
Yes. The IFSC IOBA0000985 is shared by every account held at Indian Overseas Bank's Rachhoti branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0000985 belongs to Indian Overseas Bank's RACHHOTI branch, located at VIL AND P OHASSANPURKALAN GARH ROAD RACHHOTI PIN 250106 in RACHHOTI, UTTAR PRADESH. 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.
