IOBABranch Code: 003969

Indian Overseas Bank IFSC Code

RAMNAGAR Branch, VARANASI, VARANASI, UTTAR PRADESH

Primary IFSC Code

IOBA0003969

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

The official Indian Financial System Code (IFSC) for Indian Overseas Bank, RAMNAGAR branch in VARANASI, UTTAR PRADESH is IOBA0003969. The MICR code for cheque clearance is 221020015.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Indian Overseas Bank
Branch Name: RAMNAGAR
MICR Code: 221020015
City / District: VARANASI (VARANASI)
State: UTTAR PRADESH
Postal Pincode: 221008

Full Branch Address

HOUSE NO - 2/146-D, MIRZAPUR ROAD, RAMNAGAR, VARANASI, DIST - VARANASI, PIN - 221008, Pincode: 221008

Contact Details

Phone: Refer to Net Banking

How to Read IFSC Code: IOBA0003969

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.

003969Branch 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 (IOBA0003969)

What is the IFSC Code for Indian Overseas Bank RAMNAGAR branch?

The IFSC Code for Indian Overseas Bank RAMNAGAR branch in VARANASI, UTTAR PRADESH is IOBA0003969. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Indian Overseas Bank RAMNAGAR branch?

The branch is located at: HOUSE NO - 2/146-D, MIRZAPUR ROAD, RAMNAGAR, VARANASI, DIST - VARANASI, PIN - 221008, Pincode: 221008, VARANASI, UTTAR PRADESH.

What is the MICR Code for Indian Overseas Bank RAMNAGAR?

The MICR Code for electronic cheque clearing at Indian Overseas Bank RAMNAGAR is 221020015.

How to decipher the IFSC code IOBA0003969?

The first 4 characters 'IOBA' represent Indian Overseas Bank. The 5th character is '0' reserved for future use. The last 6 characters '003969' represent the specific RAMNAGAR branch code.