IOBA0003912 — Indian Overseas Bank, Nijampur Malhour
IOBA0003912 is the IFSC code of Indian Overseas Bank, Nijampur Malhour branch, Lucknow, Uttar Pradesh. MICR 226020042. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0003912 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Nijampur Malhour |
| Address | PAL COMPLEX,NEAR AMITY UNIVERSITY,GOMTINAGAR,MALHAUR,LUCKNOW 226028,UTTAR PARDESH |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| MICR code | 226020042 |
| SWIFT code | — |
| Phone | — |
| 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 Lucknow
How to read IFSC IOBA0003912
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 003912 | Branch code – Nijampur Malhour, Lucknow |
The MICR code 226020042 is printed at the bottom of cheques from this branch: 226 is the city code, 020 the bank code and 042 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Nijampur Malhour
Payments this branch can receive using IFSC IOBA0003912:
- 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 IOBA0003912.
Questions about IFSC IOBA0003912
What is the IFSC code of Indian Overseas Bank, Nijampur Malhour branch?
The IFSC code of Indian Overseas Bank, Nijampur Malhour branch (Lucknow, Uttar Pradesh) is IOBA0003912.
What is the MICR code of Indian Overseas Bank, Nijampur Malhour?
The MICR code of this branch is 226020042.
Where is Indian Overseas Bank, Nijampur Malhour branch located?
The branch address is PAL COMPLEX,NEAR AMITY UNIVERSITY,GOMTINAGAR,MALHAUR,LUCKNOW 226028,UTTAR PARDESH (Uttar Pradesh).
Does IOBA0003912 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.