Indian Overseas Bank
BIHARIA GURUDASPUR BRANCH
+912025665822
Understanding IFSC Code: The Digital DNA of Indian Overseas Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the BIHARIA GURUDASPUR
branch of Indian Overseas Bank, the code IOBA0003486 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the IOBA0003486 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"IOBA" represents Indian Overseas Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for BIHARIA GURUDASPUR
Payment Systems Supported by IOBA0003486
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code——is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Indian Overseas Bank in MURSHIDABAD typically follows the RBI holiday calendar. Digital transfers via IOBA0003486 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While IOBA0003486 is the valid code for BIHARIA GURUDASPUR at MURSHIDABAD, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Indian Overseas Bank Branch List
- • MURSHIDABAD IFSC Codes
- • Swift Code for Indian Overseas Bank
- • Bank Holiday in WEST BENGAL
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • BIHARIA GURUDASPUR Contact
- • Address of Indian Overseas Bank
- • MICR Code Finder
- • WEST BENGAL Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
INDEXING TAGS: Indian Overseas Bank IOBA0003486 code, find BIHARIA GURUDASPUR branch details, Indian Overseas Bank MURSHIDABAD contact number, WEST BENGAL bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for Indian Overseas Bank MURSHIDABAD, online neft rtgs imps guide india, how to find ifsc code of Indian Overseas Bank.