This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, SIMRI branch in SIMRI. The 11-digit IFSC IOBA0002552 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the SIMRI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 SIMRI branch, the IFSC IOBA0002552 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002552 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Simri branch in Simri, Bihar is part of this network and uses the IFSC code IOBA0002552 for all electronic settlement.
About the Simri branch
The Simri branch of Indian Overseas Bank is situated at 1FLOOR SIMRIGOVINDPUR NEAR SIMRI THANA P.OKANSI SIMRI DISTR 847106. 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 IOBA0002552 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Simri |
| IFSC Code | IOBA0002552 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1FLOOR SIMRIGOVINDPUR NEAR SIMRI THANA P.OKANSI SIMRI DISTR 847106 |
| City | Simri |
| District | Darbhanga |
| State | Bihar |
| Phone | 222255 |
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 SIMRI branch came to be assigned the code IOBA0002552.
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 IOBA0002552, money simply cannot be routed to the SIMRI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Simri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002552 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0002552
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 IOBA0002552 across all three.
How to use IFSC IOBA0002552 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's SIMRI 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 IOBA0002552.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as SIMRI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0002552
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 – SIMRI, ensure your bank's portal accepts IFSC IOBA0002552 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – SIMRI, use IMPS. With IFSC IOBA0002552 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 IOBA0002552 for Indian Overseas Bank – SIMRI, 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 – IOBA0002552 | Yes – IOBA0002552 | Yes – IOBA0002552 |
For most retail customers crediting the Simri 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 SIMRI branch, the IFSC IOBA0002552 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 Simri branch is mapped to IFSC IOBA0002552 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 IOBA0002552.
Banking services available
The Simri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 222255.
- 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 IOBA0002552
Online banking and IFSC IOBA0002552
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the SIMRI 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 IOBA0002552 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.
How to reach the Simri branch
The branch is located at 1FLOOR SIMRIGOVINDPUR NEAR SIMRI THANA P.OKANSI SIMRI DISTR 847106, which puts it inside Simri, the broader Darbhanga district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Simri branch” — the verified location pin for IFSC IOBA0002552 should appear at the top of the results.
- Confirm the branch is open by calling 222255 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 IOBA0002552 and your account number.
Common mistakes to avoid when using IFSC IOBA0002552
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 – SIMRI, 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:
IOBA0002552. - 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.
Working hours
Branch counters at Simri 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 IOBA0002552 continue to work without interruption.
Verifying IFSC IOBA0002552 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 IOBA0002552 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 222255.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankSimri Branch
1FLOOR SIMRIGOVINDPUR NEAR SIMRI THANA P.OKANSI SIMRI DISTR 847106
Simri, Bihar
Phone: 222255
IFSC: IOBA0002552
Frequently asked questions
Does Indian Overseas Bank Simri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 222255 to confirm.
Where is Indian Overseas Bank Simri branch located?
Indian Overseas Bank's Simri branch is located at 1FLOOR SIMRIGOVINDPUR NEAR SIMRI THANA P.OKANSI SIMRI DISTR 847106, Simri, Bihar.
Is IFSC IOBA0002552 the same for all accounts at Simri branch?
Yes. The IFSC IOBA0002552 is shared by every account held at Indian Overseas Bank's Simri branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0002552 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002552 to send funds instantly.
How do I add Indian Overseas Bank Simri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002552, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Simri branch?
You can reach the branch at 222255 during regular banking hours.
Summary
The IFSC code IOBA0002552 belongs to Indian Overseas Bank's SIMRI branch, located at 1FLOOR SIMRIGOVINDPUR NEAR SIMRI THANA P.OKANSI SIMRI DISTR 847106 in SIMRI, 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.
