IOBABranch Code: 003890

Indian Overseas Bank IFSC Code

CHANNI HIMMAT Branch, JAMMU, JAMMU, JAMMU AND KASHMIR

Primary IFSC Code

IOBA0003890

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

The official Indian Financial System Code (IFSC) for Indian Overseas Bank, CHANNI HIMMAT branch in JAMMU, JAMMU AND KASHMIR is IOBA0003890. The MICR code for cheque clearance is 180020004.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Indian Overseas Bank
Branch Name: CHANNI HIMMAT
MICR Code: 180020004
City / District: JAMMU (JAMMU)
State: JAMMU AND KASHMIR
Postal Pincode: 180015

Full Branch Address

SHASTRI NIWAS, SECTOR 2 HNO -95 PVT, WARD NO 51, CHANNI HIMMAT, JAMMU, JAMMU AND KASHMIR 180015, Pincode: 180015

Contact Details

Phone: Refer to Net Banking

How to Read IFSC Code: IOBA0003890

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.

003890Branch 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 (IOBA0003890)

What is the IFSC Code for Indian Overseas Bank CHANNI HIMMAT branch?

The IFSC Code for Indian Overseas Bank CHANNI HIMMAT branch in JAMMU, JAMMU AND KASHMIR is IOBA0003890. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Indian Overseas Bank CHANNI HIMMAT branch?

The branch is located at: SHASTRI NIWAS, SECTOR 2 HNO -95 PVT, WARD NO 51, CHANNI HIMMAT, JAMMU, JAMMU AND KASHMIR 180015, Pincode: 180015, JAMMU, JAMMU AND KASHMIR.

What is the MICR Code for Indian Overseas Bank CHANNI HIMMAT?

The MICR Code for electronic cheque clearing at Indian Overseas Bank CHANNI HIMMAT is 180020004.

How to decipher the IFSC code IOBA0003890?

The first 4 characters 'IOBA' represent Indian Overseas Bank. The 5th character is '0' reserved for future use. The last 6 characters '003890' represent the specific CHANNI HIMMAT branch code.