IOBABranch Code: 003973

Indian Overseas Bank IFSC Code

WAIDHAN-SINGRAULI Branch, SINGRAULI, SINGRAULI, MADHYA PRADESH

Primary IFSC Code

IOBA0003973

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

The official Indian Financial System Code (IFSC) for Indian Overseas Bank, WAIDHAN-SINGRAULI branch in SINGRAULI, MADHYA PRADESH is IOBA0003973. The MICR code for cheque clearance is 486020002.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Indian Overseas Bank
Branch Name: WAIDHAN-SINGRAULI
MICR Code: 486020002
City / District: SINGRAULI (SINGRAULI)
State: MADHYA PRADESH
Postal Pincode: 486886

Full Branch Address

INDIAN OVERSEAS BANK KHASRA NO 114 34(S) GRAM BILAUNJI TELIYAN WARD NO 42 WAIDHAN MADHYA PRADESH 486886, Pincode: 486886

Contact Details

Phone: Refer to Net Banking

How to Read IFSC Code: IOBA0003973

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.

003973Branch 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 (IOBA0003973)

What is the IFSC Code for Indian Overseas Bank WAIDHAN-SINGRAULI branch?

The IFSC Code for Indian Overseas Bank WAIDHAN-SINGRAULI branch in SINGRAULI, MADHYA PRADESH is IOBA0003973. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Indian Overseas Bank WAIDHAN-SINGRAULI branch?

The branch is located at: INDIAN OVERSEAS BANK KHASRA NO 114 34(S) GRAM BILAUNJI TELIYAN WARD NO 42 WAIDHAN MADHYA PRADESH 486886, Pincode: 486886, SINGRAULI, MADHYA PRADESH.

What is the MICR Code for Indian Overseas Bank WAIDHAN-SINGRAULI?

The MICR Code for electronic cheque clearing at Indian Overseas Bank WAIDHAN-SINGRAULI is 486020002.

How to decipher the IFSC code IOBA0003973?

The first 4 characters 'IOBA' represent Indian Overseas Bank. The 5th character is '0' reserved for future use. The last 6 characters '003973' represent the specific WAIDHAN-SINGRAULI branch code.