IOBABranch Code: 003862

Indian Overseas Bank IFSC Code

VIRAJ KHAND Branch, LUCKNOW, LUCKNOW, UTTAR PRADESH

Primary IFSC Code

IOBA0003862

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

The official Indian Financial System Code (IFSC) for Indian Overseas Bank, VIRAJ KHAND branch in LUCKNOW, UTTAR PRADESH is IOBA0003862. The MICR code for cheque clearance is 226020039.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Indian Overseas Bank
Branch Name: VIRAJ KHAND
MICR Code: 226020039
City / District: LUCKNOW (LUCKNOW)
State: UTTAR PRADESH
Postal Pincode: 226010

Full Branch Address

1/11, VIRAJ KHAND, NEAR MAX SUPER HOSPITAL, LUCKNOW-226010, Pincode: 226010

Contact Details

Phone: +918005387541

How to Read IFSC Code: IOBA0003862

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.

003862Branch 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 around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Indian Overseas Bank (IOBA0003862)

What is the IFSC Code for Indian Overseas Bank VIRAJ KHAND branch?

The IFSC Code for Indian Overseas Bank VIRAJ KHAND branch in LUCKNOW, UTTAR PRADESH is IOBA0003862. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Indian Overseas Bank VIRAJ KHAND branch?

The branch is located at: 1/11, VIRAJ KHAND, NEAR MAX SUPER HOSPITAL, LUCKNOW-226010, Pincode: 226010, LUCKNOW, UTTAR PRADESH.

What is the MICR Code for Indian Overseas Bank VIRAJ KHAND?

The MICR Code for electronic cheque clearing at Indian Overseas Bank VIRAJ KHAND is 226020039.

How can I contact Indian Overseas Bank VIRAJ KHAND branch?

You can contact the branch at: Phone: +918005387541. For official national customer care, refer to Indian Overseas Bank's official banking channels.

How to decipher the IFSC code IOBA0003862?

The first 4 characters 'IOBA' represent Indian Overseas Bank. The 5th character is '0' reserved for future use. The last 6 characters '003862' represent the specific VIRAJ KHAND branch code.