IOBA0003651 — Indian Overseas Bank, Bhilai Durg
IOBA0003651 is the IFSC code of Indian Overseas Bank, Bhilai Durg branch, Durg, Chhattisgarh. MICR 490020001. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0003651 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Bhilai Durg |
| Address | 8 INDIRA NAGAR LAXMI NAGAR MARKET KOHKA ROAD SUPELA BHILAI DURG DIST 490023 |
| City | Durg |
| District | Durg |
| State | Chhattisgarh |
| MICR code | 490020001 |
| SWIFT code | — |
| Phone | +917882290090 |
| 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 Durg
- Balod — IOBA0002534
- Dhanora — IOBA0002326
- Durg — IOBA0002877
- Janjgiri — IOBA0003335
- Sacb Bemetara — IOBA0003092
- Sacb Gurur — IOBA0003370
- Utai — IOBA0002325
How to read IFSC IOBA0003651
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 003651 | Branch code – Bhilai Durg, Durg |
The MICR code 490020001 is printed at the bottom of cheques from this branch: 490 is the city code, 020 the bank code and 001 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Bhilai Durg
Payments this branch can receive using IFSC IOBA0003651:
- 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 IOBA0003651.
Questions about IFSC IOBA0003651
What is the IFSC code of Indian Overseas Bank, Bhilai Durg branch?
The IFSC code of Indian Overseas Bank, Bhilai Durg branch (Durg, Chhattisgarh) is IOBA0003651.
What is the MICR code of Indian Overseas Bank, Bhilai Durg?
The MICR code of this branch is 490020001.
Where is Indian Overseas Bank, Bhilai Durg branch located?
The branch address is 8 INDIRA NAGAR LAXMI NAGAR MARKET KOHKA ROAD SUPELA BHILAI DURG DIST 490023 (Chhattisgarh).
Does IOBA0003651 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.