IOBA0003864 — Indian Overseas Bank, Garhwa
IOBA0003864 is the IFSC code of Indian Overseas Bank, Garhwa branch, Garhwa, Jharkhand. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0003864 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Garhwa |
| Address | KAMLA COMPLEX,CHINYA ROAD,GARHWA,DISTRICT GARHWA 822114,JHARKHAND |
| City | Garhwa |
| District | Garhwa |
| State | Jharkhand |
| MICR code | — |
| SWIFT code | — |
| Phone | +918789246462 |
| 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.
How to read IFSC IOBA0003864
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 003864 | Branch code – Garhwa, Garhwa |
Sending money to Indian Overseas Bank, Garhwa
Payments this branch can receive using IFSC IOBA0003864:
- 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 IOBA0003864.
Questions about IFSC IOBA0003864
What is the IFSC code of Indian Overseas Bank, Garhwa branch?
The IFSC code of Indian Overseas Bank, Garhwa branch (Garhwa, Jharkhand) is IOBA0003864.
Where is Indian Overseas Bank, Garhwa branch located?
The branch address is KAMLA COMPLEX,CHINYA ROAD,GARHWA,DISTRICT GARHWA 822114,JHARKHAND (Jharkhand).
Does IOBA0003864 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.