This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, BHADOHI branch in VARANASI. The 11-digit IFSC IOBA0002983 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 BHADOHI 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 BHADOHI branch, the IFSC IOBA0002983 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002983 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Bhadohi |
| IFSC Code | IOBA0002983 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 102,STATION ROAD,MALLU TALAB,BHADOHI,U.P.221401 |
| City | Varanasi |
| District | Varanasi |
| State | Uttar Pradesh |
| STD Code | 44 |
| Phone | 28584896 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Bhadohi branch in Varanasi. 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, IOBA0002983.
About the Bhadohi branch
The Bhadohi branch of Indian Overseas Bank is situated at 102,STATION ROAD,MALLU TALAB,BHADOHI,U.P.221401. 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 IOBA0002983 is used.
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 BHADOHI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002983 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 IOBA0002983 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0002983
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 IOBA0002983 across all three.
How to use IFSC IOBA0002983 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's BHADOHI 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 IOBA0002983.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as BHADOHI.
- 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 BHADOHI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's BHADOHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002983 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank BHADOHI (IFSC IOBA0002983)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002983 in your mobile or internet banking app, and the money is credited to the BHADOHI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002983 for Indian Overseas Bank – BHADOHI, 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 – IOBA0002983 | Yes – IOBA0002983 | Yes – IOBA0002983 |
For most retail customers crediting the Bhadohi 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.
UPI payments and IFSC IOBA0002983
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 – BHADOHI is still mapped to IFSC IOBA0002983. 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 IOBA0002983 and the beneficiary's account number to complete the transfer.
Account types you can open at the Bhadohi branch
Once you have an account at Indian Overseas Bank – BHADOHI, the IFSC IOBA0002983 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.
Banking services available
The Bhadohi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- 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 IOBA0002983
MICR & cheque-truncation details
Cheques drawn on the Bhadohi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002983 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0002983
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the BHADOHI 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 IOBA0002983 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.
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 – BHADOHI:
- The IFSC is exactly IOBA0002983 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 BHADOHI 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 Bhadohi branch
The branch is located at 102,STATION ROAD,MALLU TALAB,BHADOHI,U.P.221401, which puts it inside Varanasi, the broader Varanasi district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Bhadohi branch” — the verified location pin for IFSC IOBA0002983 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 IOBA0002983 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0002983 for Indian Overseas Bank – BHADOHI, 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 Bhadohi 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 IOBA0002983 continue to work without interruption.
Branch address & contact
Indian Overseas BankBhadohi Branch
102,STATION ROAD,MALLU TALAB,BHADOHI,U.P.221401
Varanasi, Uttar Pradesh
Phone: 44-28584896
IFSC: IOBA0002983
Frequently asked questions
How quickly will an NEFT transfer using IOBA0002983 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Bhadohi reflect within 30 minutes.
How do I add Indian Overseas Bank Bhadohi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002983, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Bhadohi branch?
You can reach the branch at 44-28584896 during regular banking hours.
Is IFSC IOBA0002983 the same for all accounts at Bhadohi branch?
Yes. The IFSC IOBA0002983 is shared by every account held at Indian Overseas Bank's Bhadohi branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Bhadohi branch located?
Indian Overseas Bank's Bhadohi branch is located at 102,STATION ROAD,MALLU TALAB,BHADOHI,U.P.221401, Varanasi, Uttar Pradesh.
Can I use IFSC IOBA0002983 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002983 to send funds instantly.
Final notes
To recap: IOBA0002983 is the IFSC code of Indian Overseas Bank, BHADOHI branch, in VARANASI, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
