IOBA0004003 — Indian Overseas Bank, Katra
IOBA0004003 is the IFSC code of Indian Overseas Bank, Katra branch, Reasi, Jammu And Kashmir. MICR 182020002. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0004003 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Katra |
| Address | HOTEL AMBIKA BUILDING, KATRA, PIN - 182320 |
| City | Reasi |
| District | Katra |
| State | Jammu And Kashmir |
| MICR code | 182020002 |
| SWIFT code | — |
| Phone | +919760906667 |
| 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 IOBA0004003
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 004003 | Branch code – Katra, Reasi |
The MICR code 182020002 is printed at the bottom of cheques from this branch: 182 is the city code, 020 the bank code and 002 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Katra
Payments this branch can receive using IFSC IOBA0004003:
- 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 IOBA0004003.
Questions about IFSC IOBA0004003
What is the IFSC code of Indian Overseas Bank, Katra branch?
The IFSC code of Indian Overseas Bank, Katra branch (Reasi, Jammu And Kashmir) is IOBA0004003.
What is the MICR code of Indian Overseas Bank, Katra?
The MICR code of this branch is 182020002.
Where is Indian Overseas Bank, Katra branch located?
The branch address is HOTEL AMBIKA BUILDING, KATRA, PIN - 182320 (Jammu And Kashmir).
Does IOBA0004003 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.