Below are the complete branch details for Indian Overseas Bank, MULISINGH-SAHAR HAT branch, located in SORO, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003478. 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 IOBA0003478 for Indian Overseas Bank – MULISINGH-SAHAR HAT — 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 – MULISINGH-SAHAR HAT is IOBA0003478. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003478 map to this branch in SORO, ODISHA.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Mulisingh-Sahar Hat branch in Soro. 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, IOBA0003478.
About the Mulisingh-Sahar Hat branch
The Mulisingh-Sahar Hat branch of Indian Overseas Bank is situated at 671, MULSINGH, VIA-KANPUR, DIST-JAGATSINGHPUR, ODISHA-754136. 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 IOBA0003478 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Mulisingh-Sahar Hat |
| IFSC Code | IOBA0003478 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 671, MULSINGH, VIA-KANPUR, DIST-JAGATSINGHPUR, ODISHA-754136 |
| City | Soro |
| District | Baleshwar |
| State | Odisha |
| STD Code | 44 |
| Phone | 28584896 |
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 MULISINGH-SAHAR HAT of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003478 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 IOBA0003478 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IOBA0003478 and the account number together uniquely identify the Mulisingh-Sahar Hat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003478
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 IOBA0003478 across all three.
How to use IFSC IOBA0003478 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's MULISINGH-SAHAR HAT 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 IOBA0003478.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as MULISINGH-SAHAR HAT.
- 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 MULISINGH-SAHAR HAT
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's MULISINGH-SAHAR HAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003478 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – MULISINGH-SAHAR HAT, use IMPS. With IFSC IOBA0003478 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Mulisingh-Sahar Hat
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 IOBA0003478:
- 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 MULISINGH-SAHAR HAT is still linked to IFSC IOBA0003478.
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 IOBA0003478
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 – MULISINGH-SAHAR HAT is still mapped to IFSC IOBA0003478. 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 IOBA0003478 and the beneficiary's account number to complete the transfer.
Account types you can open at the Mulisingh-Sahar Hat branch
Once you have an account at Indian Overseas Bank – MULISINGH-SAHAR HAT, the IFSC IOBA0003478 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 Mulisingh-Sahar Hat 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 IOBA0003478
Digital banking channels
Most day-to-day work that customers used to do at the Mulisingh-Sahar Hat branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0003478 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Mulisingh-Sahar Hat branch
The branch is located at 671, MULSINGH, VIA-KANPUR, DIST-JAGATSINGHPUR, ODISHA-754136, which puts it inside Soro, the broader Baleshwar district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Mulisingh-Sahar Hat branch” — the verified location pin for IFSC IOBA0003478 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0003478 and your account number.
Common mistakes to avoid when using IFSC IOBA0003478
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 – MULISINGH-SAHAR HAT, 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:
IOBA0003478. - 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Mulisingh-Sahar Hat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003478, however, work 24x7.
Verifying IFSC IOBA0003478 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 IOBA0003478 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankMulisingh-Sahar Hat Branch
671, MULSINGH, VIA-KANPUR, DIST-JAGATSINGHPUR, ODISHA-754136
Soro, Odisha
Phone: 44-28584896
IFSC: IOBA0003478
Frequently asked questions
Where is Indian Overseas Bank Mulisingh-Sahar Hat branch located?
Indian Overseas Bank's Mulisingh-Sahar Hat branch is located at 671, MULSINGH, VIA-KANPUR, DIST-JAGATSINGHPUR, ODISHA-754136, Soro, Odisha.
Is IFSC IOBA0003478 the same for all accounts at Mulisingh-Sahar Hat branch?
Yes. The IFSC IOBA0003478 is shared by every account held at Indian Overseas Bank's Mulisingh-Sahar Hat branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank Mulisingh-Sahar Hat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003478, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003478 valid for NEFT and RTGS?
Yes. IFSC IOBA0003478 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Mulisingh-Sahar Hat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
How quickly will an NEFT transfer using IOBA0003478 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Mulisingh-Sahar Hat reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Mulisingh-Sahar Hat branch?
The IFSC code of Indian Overseas Bank, Mulisingh-Sahar Hat branch is IOBA0003478. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0003478 belongs to Indian Overseas Bank's MULISINGH-SAHAR HAT branch, located at 671, MULSINGH, VIA-KANPUR, DIST-JAGATSINGHPUR, ODISHA-754136 in SORO, ODISHA. 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.
