INDIAN OVERSEAS BANK IFSC Code – SMESAHARANPURDELHI ROAD, SAHARANPUR
Complete bank details including IFSC code, MICR code, address and payment facilities for SMESAHARANPURDELHI ROAD branch.
Bank Details
| Bank Name | INDIAN OVERSEAS BANK |
| Branch Name | SMESAHARANPURDELHI ROAD |
| IFSC Code | IOBA0002981 |
| MICR Code | 247020007 |
| Address | A8,AVAS VIKAS,DELHI ROAD,SAHARANPUR247001,UTTAR PRADESH |
| City | SAHARANPUR |
| State | UTTAR PRADESH |
| Contact | 28584896 |
Payment Facilities
About IFSC Code IOBA0002981
The IFSC code IOBA0002981 uniquely identifies the SMESAHARANPURDELHI ROAD branch of INDIAN OVERSEAS BANK located in SAHARANPUR, UTTAR PRADESH. This 11-character alphanumeric code is essential for all electronic fund transfers in India including NEFT, RTGS, IMPS, and UPI transactions.
Understanding IFSC Code IOBA0002981
- 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 (002981) – Unique branch identifier for SMESAHARANPURDELHI ROAD
How to Use IFSC Code IOBA0002981
To transfer money to any account at INDIAN OVERSEAS BANK SMESAHARANPURDELHI ROAD branch, you will need to provide the IFSC code IOBA0002981 along with the beneficiary's account number. This code ensures your money reaches the correct branch securely.
Transfer Methods Available at SMESAHARANPURDELHI ROAD
- 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 SMESAHARANPURDELHI ROAD Branch
INDIAN OVERSEAS BANK SMESAHARANPURDELHI ROAD is a branch of INDIAN OVERSEAS BANK located in SAHARANPUR, UTTAR PRADESH. The branch provides comprehensive banking services to customers in SAHARANPUR and surrounding areas.
Branch Address
A8,AVAS VIKAS,DELHI ROAD,SAHARANPUR247001,UTTAR PRADESH, SAHARANPUR, UTTAR PRADESH
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 247020007. 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 SMESAHARANPURDELHI ROAD?
The IFSC code of INDIAN OVERSEAS BANK SMESAHARANPURDELHI ROAD branch in SAHARANPUR is IOBA0002981.
What is the MICR code of INDIAN OVERSEAS BANK SMESAHARANPURDELHI ROAD?
The MICR code of INDIAN OVERSEAS BANK SMESAHARANPURDELHI ROAD branch is 247020007.
What is the address of INDIAN OVERSEAS BANK SMESAHARANPURDELHI ROAD?
INDIAN OVERSEAS BANK SMESAHARANPURDELHI ROAD branch is located at A8,AVAS VIKAS,DELHI ROAD,SAHARANPUR247001,UTTAR PRADESH.
Does INDIAN OVERSEAS BANK SMESAHARANPURDELHI ROAD support NEFT/RTGS/IMPS?
INDIAN OVERSEAS BANK SMESAHARANPURDELHI ROAD branch supports NEFT, RTGS, IMPS, and UPI transactions.