IOBABranch Code: 000247

Indian Overseas Bank Santa Cruz Branch IFSC Code: IOBA0000247

Branch Code: 000247 | MUMBAI, MUMBAI, Maharashtra

Primary IFSC Code

IOBA0000247

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Indian Overseas Bank, Santa Cruz branch in MUMBAI, Maharashtra is IOBA0000247. The MICR code for cheque clearance is 400020019.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Indian Overseas Bank
Branch Name: SANTA CRUZ
MICR Code: 400020019
City / District: MUMBAI (MUMBAI)
State: Maharashtra
Postal Pincode: 400054

Full Branch Address

26 A, HARIKRIPA, SWAMI VIVEKANANDA ROAD, SANTA CRUZ WEST, MUMBAI - 400054, Pincode: 400054

Contact & Customer Care

Phone: 26493019

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How to Read IFSC Code: IOBA0000247

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

IOBABank Identifier

First 4 alphabetic characters identify Indian Overseas Bank.

0Control Character

5th character is always numeral '0', reserved for future use.

000247Branch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate 24x7 in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Read Complete NEFT vs RTGS vs IMPS Guide →

Frequently Asked Questions: Indian Overseas Bank (IOBA0000247)

Which bank does IFSC Code IOBA0000247 belong to?

IFSC Code IOBA0000247 belongs to Indian Overseas Bank for its SANTA CRUZ branch, located in MUMBAI, Maharashtra. The 4-letter prefix 'IOBA' represents Indian Overseas Bank.

What is the IFSC Code for Indian Overseas Bank SANTA CRUZ branch?

The IFSC Code for Indian Overseas Bank SANTA CRUZ branch in MUMBAI, Maharashtra is IOBA0000247. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Indian Overseas Bank SANTA CRUZ branch?

The branch is located at: 26 A, HARIKRIPA, SWAMI VIVEKANANDA ROAD, SANTA CRUZ WEST, MUMBAI - 400054, Pincode: 400054, MUMBAI, Maharashtra.

What is the MICR Code for Indian Overseas Bank SANTA CRUZ?

The MICR Code for electronic cheque clearing at Indian Overseas Bank SANTA CRUZ is 400020019.

How can I contact Indian Overseas Bank SANTA CRUZ branch?

You can contact the branch at: Phone: 26493019. For official national customer care, refer to Indian Overseas Bank's official banking channels.

How to decipher the IFSC code IOBA0000247?

The first 4 characters 'IOBA' represent Indian Overseas Bank. The 5th character is '0' reserved for future use. The last 6 characters '000247' represent the specific SANTA CRUZ branch code.