IOBA0002986 — Indian Overseas Bank, Kudghat
IOBA0002986 is the IFSC code of Indian Overseas Bank, Kudghat branch, Kolkata, West Bengal. MICR 700020087. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0002986 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Kudghat |
| Address | SPRNIGDLE,1ST FLR,3,N N DUTTA ROAD,KOLKATA PIN 700040 |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| MICR code | 700020087 |
| SWIFT code | — |
| Phone | +914428584896 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Indian Overseas Bank branches in Kolkata
- Amratolla — IOBA0000720
- Ananda Palit Road — IOBA0001108
- Arm Branch — IOBA0001996
- Baghajatin — IOBA0002194
- Ballygunge — IOBA0000013
- Ballygunge Park Road — IOBA0000477
- Baranagar — IOBA0000566
- Behala — IOBA0001224
- Bhowanipore — IOBA0000908
- Birati — IOBA0003558
- Calcutta Hospital Kolkata — IOBA0002321
- Chakgaria — IOBA0003273
How to read IFSC IOBA0002986
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 002986 | Branch code – Kudghat, Kolkata |
The MICR code 700020087 is printed at the bottom of cheques from this branch: 700 is the city code, 020 the bank code and 087 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Kudghat
Payments this branch can receive using IFSC IOBA0002986:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC IOBA0002986.
Questions about IFSC IOBA0002986
What is the IFSC code of Indian Overseas Bank, Kudghat branch?
The IFSC code of Indian Overseas Bank, Kudghat branch (Kolkata, West Bengal) is IOBA0002986.
What is the MICR code of Indian Overseas Bank, Kudghat?
The MICR code of this branch is 700020087.
Where is Indian Overseas Bank, Kudghat branch located?
The branch address is SPRNIGDLE,1ST FLR,3,N N DUTTA ROAD,KOLKATA PIN 700040 (West Bengal).
Does IOBA0002986 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.