IFSC Code of Indian Overseas Bank, Raipur Bhagwanpur Branch, Uttarakhand

Use this page as a one-stop reference for everything related to Indian Overseas Bank's RAIPUR BHAGWANPUR branch in ROORKEE, UTTARAKHAND. The branch's IFSC code IOBA0003635 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 – RAIPUR BHAGWANPUR is IOBA0003635. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003635 map to this branch in ROORKEE, UTTARAKHAND.

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Raipur Bhagwanpur branch — IFSC IOBA0003635 — extends the bank's services to customers in and around Roorkee, Uttarakhand.

Branch details at a glance

About this branch

The branch is located at KHASNA NO.67, OPP. NTL FACTORY, VILLAGE - RAIPUR, PO - BHAWANPUR- CHANDARPUR, DIST - HARIDWAR, PIN - 247661. It serves the Roorkee 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 IOBA0003635 is used to identify this branch on the RBI payments network.

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 RAIPUR BHAGWANPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003635 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 IOBA0003635 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Raipur Bhagwanpur branch is mapped to IFSC IOBA0003635 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 IOBA0003635.

Banking services available

The Raipur Bhagwanpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 135-2769642.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0003635

How to transfer money using IFSC IOBA0003635

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 IOBA0003635 across all three.

NEFT to Indian Overseas Bank, RAIPUR BHAGWANPUR using IFSC IOBA0003635

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 IOBA0003635, and confirm that the system picks up Indian Overseas Bank – RAIPUR BHAGWANPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAIPUR BHAGWANPUR

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's RAIPUR BHAGWANPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003635 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank RAIPUR BHAGWANPUR (IFSC IOBA0003635)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003635 in your mobile or internet banking app, and the money is credited to the RAIPUR BHAGWANPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Raipur Bhagwanpur

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 IOBA0003635:

• 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 RAIPUR BHAGWANPUR is still linked to IFSC IOBA0003635.

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 RAIPUR BHAGWANPUR branch, the IFSC IOBA0003635 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 IOBA0003635

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the RAIPUR BHAGWANPUR 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 IOBA0003635 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 IOBA0003635 and the account number together uniquely identify the Raipur Bhagwanpur 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 – RAIPUR BHAGWANPUR:

• The IFSC is exactly IOBA0003635 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 RAIPUR BHAGWANPUR 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 Raipur Bhagwanpur branch

The branch is located at KHASNA NO.67, OPP. NTL FACTORY, VILLAGE - RAIPUR, PO - BHAWANPUR- CHANDARPUR, DIST - HARIDWAR, PIN - 247661, which puts it inside Roorkee, the broader Haridwar district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Raipur Bhagwanpur branch” — the verified location pin for IFSC IOBA0003635 should appear at the top of the results.
2. Confirm the branch is open by calling 135-2769642 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 IOBA0003635 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003635 for Indian Overseas Bank – RAIPUR BHAGWANPUR, 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 Raipur Bhagwanpur 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 IOBA0003635 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0003635 belongs to Indian Overseas Bank's RAIPUR BHAGWANPUR branch, located at KHASNA NO.67, OPP. NTL FACTORY, VILLAGE - RAIPUR, PO - BHAWANPUR- CHANDARPUR,… in ROORKEE, UTTARAKHAND. 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.