This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, KHANPUR branch in VARANASI. The 11-digit IFSC IOBA0003878 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 KHANPUR 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 KHANPUR branch, the IFSC IOBA0003878 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003878 identifies this particular branch.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Khanpur branch — IFSC IOBA0003878 — extends the bank's services to customers in and around Varanasi, Uttar Pradesh.
About this branch
The branch is located at OPPOSITE MERIDIAN HOSPITAL, GHAZIPUR ROAD, LEDHUPUR, KHANPUR, DIST VARANASI, PIN - 221007. It serves the Varanasi 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 IOBA0003878 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Khanpur |
| IFSC Code | IOBA0003878 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPPOSITE MERIDIAN HOSPITAL, GHAZIPUR ROAD, LEDHUPUR, KHANPUR, DIST VARANASI, PIN - 221007 |
| City | Varanasi |
| District | Varanasi |
| State | Uttar Pradesh |
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 KHANPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003878 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 IOBA0003878 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Khanpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003878 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 IOBA0003878
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 IOBA0003878 across all three.
How to use IFSC IOBA0003878 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KHANPUR 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 IOBA0003878.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KHANPUR.
- 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 KHANPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KHANPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003878 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank KHANPUR (IFSC IOBA0003878)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003878 in your mobile or internet banking app, and the money is credited to the KHANPUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003878 for Indian Overseas Bank – KHANPUR, 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 – IOBA0003878 | Yes – IOBA0003878 | Yes – IOBA0003878 |
For most retail customers crediting the Khanpur 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 IOBA0003878
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 – KHANPUR is still mapped to IFSC IOBA0003878. 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 IOBA0003878 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Khanpur branch is mapped to IFSC IOBA0003878 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 IOBA0003878.
Products and services
Customers walking into the Khanpur 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 IOBA0003878
Online banking and IFSC IOBA0003878
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KHANPUR 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 IOBA0003878 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.
Reaching the branch
The Khanpur branch sits at OPPOSITE MERIDIAN HOSPITAL, GHAZIPUR ROAD, LEDHUPUR, KHANPUR, DIST VARANASI, PIN - 221007. If you are travelling from outside Varanasi, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 IOBA0003878 and your account number.
Common mistakes to avoid when using IFSC IOBA0003878
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 – KHANPUR, 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:
IOBA0003878. - 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 Khanpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003878, however, work 24x7.
Verifying IFSC IOBA0003878 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 IOBA0003878 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankKhanpur Branch
OPPOSITE MERIDIAN HOSPITAL, GHAZIPUR ROAD, LEDHUPUR, KHANPUR, DIST VARANASI, PIN - 221007
Varanasi, Uttar Pradesh
Phone: the branch contact number
IFSC: IOBA0003878
Frequently asked questions
What is the phone number of Indian Overseas Bank Khanpur branch?
You can reach the branch at the branch contact number during regular banking hours.
Does Indian Overseas Bank Khanpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC IOBA0003878 valid for NEFT and RTGS?
Yes. IFSC IOBA0003878 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Khanpur branch located?
Indian Overseas Bank's Khanpur branch is located at OPPOSITE MERIDIAN HOSPITAL, GHAZIPUR ROAD, LEDHUPUR, KHANPUR, DIST VARANASI, PIN - 221007, Varanasi, Uttar Pradesh.
Can I use IFSC IOBA0003878 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003878 to send funds instantly.
Is IFSC IOBA0003878 the same for all accounts at Khanpur branch?
Yes. The IFSC IOBA0003878 is shared by every account held at Indian Overseas Bank's Khanpur branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank Khanpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003878, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Khanpur branch?
The IFSC code of Indian Overseas Bank, Khanpur branch is IOBA0003878. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0003878 belongs to Indian Overseas Bank's KHANPUR branch, located at OPPOSITE MERIDIAN HOSPITAL, GHAZIPUR ROAD, LEDHUPUR, KHANPUR, DIST VARANASI,… in VARANASI, UTTAR PRADESH. 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.
