Use this page as a one-stop reference for everything related to Indian Overseas Bank's SINGHIMARI branch in SINGHIMARI, BIHAR. The branch's IFSC code IOBA0003813 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 – SINGHIMARI is IOBA0003813. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003813 map to this branch in SINGHIMARI, BIHAR.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Singhimari branch in Singhimari. 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, IOBA0003813.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Singhimari |
| IFSC Code | IOBA0003813 |
| MICR Code | Refer to cheque leaf |
| Branch Address | INDERJEET YADAV VILLAGE,SINGHIMARI NEAR SSB CAMP,DISTRICT KISHANGANJ,PIN 855101 |
| City | Singhimari |
| District | Kishanganj |
| State | Bihar |
| STD Code | 612 |
| Phone | 2205300 |
About this branch
The branch is located at INDERJEET YADAV VILLAGE,SINGHIMARI NEAR SSB CAMP,DISTRICT KISHANGANJ,PIN 855101. It serves the Singhimari 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 IOBA0003813 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 SINGHIMARI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003813 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 IOBA0003813 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 Singhimari branch is mapped to IFSC IOBA0003813 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 IOBA0003813.
Products and services
Customers walking into the Singhimari 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 IOBA0003813
How to transfer money using IFSC IOBA0003813
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 IOBA0003813 across all three.
How to use IFSC IOBA0003813 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's SINGHIMARI 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 IOBA0003813.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as SINGHIMARI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to SINGHIMARI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's SINGHIMARI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003813 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank SINGHIMARI (IFSC IOBA0003813)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003813 in your mobile or internet banking app, and the money is credited to the SINGHIMARI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Singhimari
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 IOBA0003813:
- 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 SINGHIMARI is still linked to IFSC IOBA0003813.
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.
UPI payments and IFSC IOBA0003813
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 – SINGHIMARI is still mapped to IFSC IOBA0003813. 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 IOBA0003813 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0003813
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the SINGHIMARI 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 IOBA0003813 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 & cheque-truncation details
Cheques drawn on the Singhimari branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003813 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – SINGHIMARI:
- The IFSC is exactly IOBA0003813 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 SINGHIMARI 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.
Reaching the branch
The Singhimari branch sits at INDERJEET YADAV VILLAGE,SINGHIMARI NEAR SSB CAMP,DISTRICT KISHANGANJ,PIN 855101. If you are travelling from outside Singhimari, search for the branch on a maps application using the bank name and locality, or call 612-2205300 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 IOBA0003813 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003813 for Indian Overseas Bank – SINGHIMARI, 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 Singhimari 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 IOBA0003813 continue to work without interruption.
Branch address & contact
Indian Overseas BankSinghimari Branch
INDERJEET YADAV VILLAGE,SINGHIMARI NEAR SSB CAMP,DISTRICT KISHANGANJ,PIN 855101
Singhimari, Bihar
Phone: 612-2205300
IFSC: IOBA0003813
Frequently asked questions
Where is Indian Overseas Bank Singhimari branch located?
Indian Overseas Bank's Singhimari branch is located at INDERJEET YADAV VILLAGE,SINGHIMARI NEAR SSB CAMP,DISTRICT KISHANGANJ,PIN 855101, Singhimari, Bihar.
Does Indian Overseas Bank Singhimari branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 612-2205300 to confirm.
Is IFSC IOBA0003813 valid for NEFT and RTGS?
Yes. IFSC IOBA0003813 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IOBA0003813 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003813 to send funds instantly.
How do I add Indian Overseas Bank Singhimari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003813, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Singhimari branch?
You can reach the branch at 612-2205300 during regular banking hours.
How quickly will an NEFT transfer using IOBA0003813 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Singhimari reflect within 30 minutes.
Is IFSC IOBA0003813 the same for all accounts at Singhimari branch?
Yes. The IFSC IOBA0003813 is shared by every account held at Indian Overseas Bank's Singhimari branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0003813 belongs to Indian Overseas Bank's SINGHIMARI branch, located at INDERJEET YADAV VILLAGE,SINGHIMARI NEAR SSB CAMP,DISTRICT KISHANGANJ,PIN 855101 in SINGHIMARI, 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.
