INDIAN OVERSEAS BANK IFSC Code – KESLA, KHARORA
Complete bank details including IFSC code, MICR code, address and payment facilities for KESLA branch.
Bank Details
| Bank Name | INDIAN OVERSEAS BANK |
| Branch Name | KESLA |
| IFSC Code | IOBA0002971 |
| MICR Code | 492020503 |
| Address | BALODA BAZAR MAIN ROAD,NEAR PRAKASH CLOTH MARKET,P.O.KESLA,RAIPUR,493225 ,RAIPUR ,CHATTISGARH |
| City | KHARORA |
| District | RAIPUR |
| State | CHANDIGARH |
| Contact | 28584896 |
Payment Facilities
About IFSC Code IOBA0002971
The IFSC code IOBA0002971 uniquely identifies the KESLA branch of INDIAN OVERSEAS BANK located in KHARORA, CHANDIGARH. This 11-character alphanumeric code is essential for all electronic fund transfers in India including NEFT, RTGS, IMPS, and UPI transactions.
Understanding IFSC Code IOBA0002971
- First 4 characters (IOBA) – Represents INDIAN OVERSEAS BANK bank code assigned by RBI
- 5th character (0) – Reserved for future use (always 0)
- Last 6 characters (002971) – Unique branch identifier for KESLA
How to Use IFSC Code IOBA0002971
To transfer money to any account at INDIAN OVERSEAS BANK KESLA branch, you will need to provide the IFSC code IOBA0002971 along with the beneficiary's account number. This code ensures your money reaches the correct branch securely.
Transfer Methods Available at KESLA
- NEFT (National Electronic Funds Transfer) – Settled in batches, available 24x7 on all days
- RTGS (Real Time Gross Settlement) – For high-value transactions (₹2 lakh and above), real-time transfer
- IMPS (Immediate Payment Service) – Instant transfer up to ₹5 lakh, available 24x7
- UPI (Unified Payments Interface) – Instant mobile payments using VPA/UPI ID
About INDIAN OVERSEAS BANK KESLA Branch
INDIAN OVERSEAS BANK KESLA is a branch of INDIAN OVERSEAS BANK located in KHARORA, CHANDIGARH. The branch provides comprehensive banking services to customers in KHARORA and surrounding areas.
Branch Address
BALODA BAZAR MAIN ROAD,NEAR PRAKASH CLOTH MARKET,P.O.KESLA,RAIPUR,493225 ,RAIPUR ,CHATTISGARH, KHARORA, CHANDIGARH
Services Available
This branch offers various banking services including savings accounts, current accounts, fixed deposits, recurring deposits, loans, locker facilities, and digital banking services. Customers can also avail services like demand drafts, pay orders, and foreign exchange (subject to branch authorization).
MICR Code Information
The MICR (Magnetic Ink Character Recognition) code for this branch is 492020503. MICR code is a 9-digit code used for cheque clearing and identifies the bank, branch, and city. It is printed on cheques using magnetic ink for machine reading.
Important Information
Transfer Timings
- NEFT: 24x7, 365 days (Settled in half-hourly batches)
- RTGS: 24x7, 365 days (Real-time for ₹2L+)
- IMPS: 24x7, 365 days (Instant)
- UPI: 24x7, 365 days (Instant)
Verification Tips
- Always verify IFSC code before transferring money
- Cross-check with bank passbook or cheque book
- IFSC codes may change after bank mergers
- Contact branch for latest information
Frequently Asked Questions
What is the IFSC code of INDIAN OVERSEAS BANK KESLA?
The IFSC code of INDIAN OVERSEAS BANK KESLA branch in KHARORA is IOBA0002971.
What is the MICR code of INDIAN OVERSEAS BANK KESLA?
The MICR code of INDIAN OVERSEAS BANK KESLA branch is 492020503.
What is the address of INDIAN OVERSEAS BANK KESLA?
INDIAN OVERSEAS BANK KESLA branch is located at BALODA BAZAR MAIN ROAD,NEAR PRAKASH CLOTH MARKET,P.O.KESLA,RAIPUR,493225 ,RAIPUR ,CHATTISGARH.
Does INDIAN OVERSEAS BANK KESLA support NEFT/RTGS/IMPS?
INDIAN OVERSEAS BANK KESLA branch supports NEFT, RTGS, IMPS, and UPI transactions.