VARANASI, UTTAR PRADESH
IFSC Code
IOBA0003877
MICR Code
221020012
Branch
PANDEYPUR - VARANASI
Bank
Indian Overseas Bank
District
VARANASI
State
UTTAR PRADESH
Contact
Not available
Address
SA 2/427 B 1A 2A, IN FRONT OF RAY SAHAB KA BAGICHA, LALPUR, PANDEYPUR, VARANASI, PIN -221002
To move funds into an account held at PANDEYPUR - VARANASI (Indian Overseas Bank) using NEFT, the sender's bank needs this branch's IFSC code — IOBA0003877. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.
RTGS is the go-to option when transferring large sums (₹2 lakh+) to PANDEYPUR - VARANASI in VARANASI, since each transfer is settled individually and immediately rather than bundled with others.
Need money at Indian Overseas Bank, PANDEYPUR - VARANASI right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.
A distinction that matters if you're transferring to PANDEYPUR - VARANASI: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.
| Method | System Hours | If Visiting PANDEYPUR - VARANASI In Person |
|---|---|---|
| NEFT | 24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019) | Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours. |
| RTGS | 24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020) | Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests. |
| IMPS | 24x7x365 — always has been, no banking-hours restriction at the system level. | Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh). |
The IFSC code for Indian Overseas Bank's PANDEYPUR - VARANASI branch in VARANASI, UTTAR PRADESH is IOBA0003877. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.
The MICR code for this branch is 221020012. MICR codes are used for cheque clearing, while the IFSC code (IOBA0003877) is what's needed for electronic transfers like NEFT and RTGS.
This branch is located at: SA 2/427 B 1A 2A, IN FRONT OF RAY SAHAB KA BAGICHA, LALPUR, PANDEYPUR, VARANASI, PIN -221002. It falls under VARANASI district, UTTAR PRADESH.
Yes — the same IFSC code (IOBA0003877) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.
A direct contact number isn't listed for this branch in our records. Your best options are Indian Overseas Bank's national customer care line or the nearest branch locator on the bank's official website.
IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.