INDIAN OVERSEAS BANK IFSC Code – GARACHARMA, GARACHARAMA
Complete bank details including IFSC code, MICR code, address and payment facilities for GARACHARMA branch.
Bank Details
| Bank Name | INDIAN OVERSEAS BANK |
| Branch Name | GARACHARMA |
| IFSC Code | IOBA0003194 |
| MICR Code | WAITING |
| Address | G R HOUSING SOCIETY P.O,GARACHARMA,SOUTH ANDAMAN ST |
| City | GARACHARAMA |
| District | ANDAMAN |
| State | ANDAMAN AND NICOBAR ISLAND |
| Contact | 28584896 |
Payment Facilities
About IFSC Code IOBA0003194
The IFSC code IOBA0003194 uniquely identifies the GARACHARMA branch of INDIAN OVERSEAS BANK located in GARACHARAMA, ANDAMAN AND NICOBAR ISLAND. This 11-character alphanumeric code is essential for all electronic fund transfers in India including NEFT, RTGS, IMPS, and UPI transactions.
Understanding IFSC Code IOBA0003194
- 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 (003194) – Unique branch identifier for GARACHARMA
How to Use IFSC Code IOBA0003194
To transfer money to any account at INDIAN OVERSEAS BANK GARACHARMA branch, you will need to provide the IFSC code IOBA0003194 along with the beneficiary's account number. This code ensures your money reaches the correct branch securely.
Transfer Methods Available at GARACHARMA
- 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 GARACHARMA Branch
INDIAN OVERSEAS BANK GARACHARMA is a branch of INDIAN OVERSEAS BANK located in GARACHARAMA, ANDAMAN AND NICOBAR ISLAND. The branch provides comprehensive banking services to customers in GARACHARAMA and surrounding areas.
Branch Address
G R HOUSING SOCIETY P.O,GARACHARMA,SOUTH ANDAMAN ST, GARACHARAMA, ANDAMAN AND NICOBAR ISLAND
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 WAITING. 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 GARACHARMA?
The IFSC code of INDIAN OVERSEAS BANK GARACHARMA branch in GARACHARAMA is IOBA0003194.
What is the MICR code of INDIAN OVERSEAS BANK GARACHARMA?
The MICR code of INDIAN OVERSEAS BANK GARACHARMA branch is WAITING.
What is the address of INDIAN OVERSEAS BANK GARACHARMA?
INDIAN OVERSEAS BANK GARACHARMA branch is located at G R HOUSING SOCIETY P.O,GARACHARMA,SOUTH ANDAMAN ST.
Does INDIAN OVERSEAS BANK GARACHARMA support NEFT/RTGS/IMPS?
INDIAN OVERSEAS BANK GARACHARMA branch supports NEFT, RTGS, IMPS, and UPI transactions.