Select Branch for Indian Overseas Bank in Lucknow, Uttar Pradesh

Choose a branch to view IFSC code and details

Branch
Ahama Mau

IOBA0003072

OPP PRITHVI GUEST HOUSE,SULTANPUR ROAD,AHAMAMAU 226002 LUCKNOW
Branch
Alambagh

IOBA0003817

551 KA 135,BHILAWAN,SBI ROAD,ALAMBAGH,LUCKNOW 226005
Branch
Aliganj

IOBA0001574

HIG 67,SECTOR E,ALIGANJ,LUCKNOW
Branch
Aminabad

IOBA0000382

G P V MEM SOCIETY BLDG,AMINUDDAULA PARK,AMINABAD,LUCKNOW
Branch
Bakkas

IOBA0003358

88 KHURDAI BAZAR BAKKAS SULTANPUR ROAD ROAD LUCKNOW
Branch
Banthra

IOBA0003232

RAJPUT NURSING HOME KHASRA NO.947, BANTHRA, SIKANDARPUR, LUCKNOW 226401
Branch
Bhithauli

IOBA0003827

SECTOR 7/391,JANAKIPURAM VISTAR IN FRONT OF ST.MERRY INTER COLLEGE NEAR BHAWANI CHAURAHA LUCKNOW 226021
Branch
Bijnor Road

IOBA0003858

HOUSE NO 586/KN-892/PN-11, AURANGABAD JAGIR, NEAR RK TRADERS, BIJNORE ROAD, LUCKNOW-226025
Branch
Birbal Sahni Institute

IOBA0001873

53 UNIVERSITY ROAD LUCKNOW 226007
Branch
Chinhat

IOBA0001923

633 BY 646 NEAR MATIYARI CROSSING,CHINHAT,FAIZABAD ROAD,LUCKNOW,PIN 227105
Branch
Daliganj

IOBA0000248

NIRMAL AMBIGA ARCADE,I T COLLEGE CRSNG,FAIZABAD RD,LUCKNOW
Branch
Dubagga

IOBA0003859

PLOT NO. 1B, KHASRA NO. 141 AND 142, BAIGARIYA, DUBAGGA, LUCKNOW- 226003
Branch
Golaganj

IOBA0000995

JAGAT NARAIN RD,GOLAGANJ,LUCKNOW
Branch
Goldarwaza Chowk

IOBA0001087

KUSUM DEEP BULDG,2 BLOCK NO 3,NEEBU BAGH,GOLDARWAJA CHOWK,LUCKNOW
Branch
Gomti Nagar

IOBA0001422

1 BY 64,VIVEK KHAND,GOMTINAGAR,LUCNOW
Branch
Gomti Nagar Phase Ii

IOBA0001728

PRAKASH,BAL,VIDYA,MANDIR,SAMITI,VINAMRA,KHAND,GOMTI,NAGAR,LUCKNOW,PIN,226010
Branch
Indira Ngr

IOBA0000684

B213,INDIRA NGR,LUCKNOW
Branch
Itaunja

IOBA0002517

PLOT NO.215,WARD NO.7,NAGAR PANCHAYAT ITAUNJA.P.226205
Branch
Jabarauli

IOBA0003911

GATA NO 903,VILLAGE JABARAULI,TEHSIL MOHANLALGANJ 227305,DISTT LUCKNOW,UTTAR PARDESH
Branch
Lohia Machine Tools Ltd

IOBA0001786

C10,PANKI INDL EST KANPUR 2,LOHIA MACHINES LTD,KANPUR,PIN 208022
Branch
Lucknow

IOBA0000207

3,AVANBAI MANSION, VIDHAN SABHA MARG, LUCKNOW, PIN 226001
Branch
Lucknow Mohan Gold

IOBA0001774

MOHAN MEAKIN BREWARIES ROAD DALIGANJ LUCKNOW PIN 226003
Branch
Lucknow Armb

IOBA0002594

3 AVANBAI MANSION, VIDHAN SABHA LUCKNOW 226001 UTTAR PRADESH
Branch
Lucknowaashiana

IOBA0001629

SEC K716 AASHIANA COLONY LUCKNOW PIN 226012
Branch
Lucknowkursi Road

IOBA0001792

SECTOR G JANKIPURAM KURSI ROAD LUCKNOW PIN 226007
Branch
Lucknowmunshipulia Indira Nagar

IOBA0002087

PLOT NO D 2047, HIMALAYA MARG, INDIRA NAGAR, LUCKNOW PIN 226016
Branch
MahaNagar

IOBA0003025

B 67 SECTOR C MAHANAGAR LUCKNOW 226006
Branch
Mahona

IOBA0002512

N ISHRAT BEG H NO.533 SHEIKH TOLA ITAUNIJA KURSI ROAD,MAHONA,LUCKNOW
Branch
Mall

IOBA0003366

298 MALL BHARAVAN ROAD TEHSIL MALIHABAD DT,LUCKNOW
Branch
Mati

IOBA0002571

MATI,LUCK NOW,UTTAR.PRADESH
Branch
Mohanlalganj

IOBA0003861

MISHRA BUILDING, FULWARIYA TIRAHA, NEAR INDANE GAS AGENCY, MOHANLALGANJ, LUCKNOW- 226301
Branch
Moti Nagar

IOBA0001440

MAHARAJA AGRA SEN VIDY,MOTINAGAR,LUCKNOW
Branch
Nari Shiksha Niketan

IOBA0001468

CHAKBAST ROAD KAISERBAGH LUCKNOW PIN 226001
Branch
NijamPur Malhour

IOBA0003912

PAL COMPLEX,NEAR AMITY UNIVERSITY,GOMTINAGAR,MALHAUR,LUCKNOW 226028,UTTAR PARDESH
Branch
Nilmatha

IOBA0003872

PLOT NO 193,NEAR SAI PUBLIC SCHOOL VIJAYANAGAR SECTOR-B,NILMATHA BAZAR NAGRAM ROAD226002
Branch
Ordnance Factory KanPur

IOBA0001874

ORDNANCE EQUIP FACTORY, KANPUR, NEAR MAIN GATE CANTT, KANPUR 208001
Branch
Paikaramau

IOBA0003910

KHASRA NO 296 S PALKA VILLAGE PAIKARMAU,BAKSHI KA TALAB,KURSI ROAD,LUCKNOW 226026,UTTAR PARDESH
Branch
R O Lucknow

IOBA0000814

POST BOX NO 343 DOOR NO 10,NAV CHETNA KENDRA IIIFLOOR ASHOK MARG LUCKNOW PIN CODE 226001
Branch
Raj Bhavan

IOBA0001922

94 TRADE TOWER,MGMARG,HAZRATGANJ,LUCKNOW,PIN 226001
Branch
Rlpc Lucknow

IOBA0003853

3, AVANBAI MANSON, VIDHAN SABHA MARG, LUCKNOW
Branch
Scooters India Ltd

IOBA0001964

SCOOTERS INDIA LIMITED SAROJINI NAGAR LUCKNOW PIN 226008
Branch
Stjosephgirlsinter College

IOBA0001783

C2200,RAJAJI PURAM LUCKNOW PIN 226016
Branch
Sugamau

IOBA0003848

KIRAN COMPLEX SUGAMAU ROAD, NEAR MANAS CITY INDRA NAGAR, LUCKNOW ,UP
Branch
Telibagh

IOBA0003835

ANURAG PLAZA, HOUSE NO 1465 NEAR KRISHNA VIHAR COLONY GATE, RAEBAREILI ROAD, LUCKNOW
Branch
U P Bhoomi Sudar Nigam

IOBA0001773

BHOOMITRA TC BY 19V VIBHUTI KHAND,GOMTI NAGAR LUCKNOW PIN 226010
Branch
Viraj Khand

IOBA0003862

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

What are Indian Overseas Bank IFSC Codes?

The Indian Financial System Code, commonly known as the IFSC code, is an alphanumeric code crucial for the electronic transfer of funds within the Indian banking system. This code helps in identifying specific bank branches, ensuring that electronic transactions like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service) are conducted smoothly and accurately.

The IFSC code acts as a guide that directs money to the right bank branch, whether it is for a money transfer to a friend, payment of a bill, or business transactions.

How to Read the Structure of the Indian Overseas Bank IFSC Code

The IFSC code is an 11-character code consisting of three distinct elements:

  • First Four Characters: These letters indicate the name of the bank. For instance, the first four alphabets in the code represent the bank's name.
  • Fifth Character: This is always '0' (zero) and is reserved for potential future use in the system.
  • Last Six Characters: These can be either numeric or alphabetic and identify a specific branch of the bank.

Example: An IFSC code may appear as "BANK0123456." Here, "BANK" denotes the bank, and "0123456" identifies the specific branch. This unique combination ensures that each branch of every bank has a distinct identification number, allowing the precise identification of the account's location.

How to Locate an Indian Overseas Bank IFSC Code

Locating an IFSC code is relatively straightforward and can be done using any of the following methods:

  • Cheque Book: The cheque leaves issued by your bank carry the IFSC code, usually printed on the upper section of the leaf.
  • Bank Passbook: The IFSC code is typically found on the first page of the bank passbook provided at the time of opening the account.
  • Official Websites of Banks: Most banks provide a search tool on their websites that allows you to find their respective IFSC codes based on branch location or branch name.
  • Online Banking Portals: IFSC codes are provided in most online banking systems, enabling customers to find the code related to their bank branch.
  • Mobile Banking Apps: Many banking apps allow you to view branch details, including IFSC codes.
  • RBI Website: The Reserve Bank of India maintains an official list of all banks and their respective branch IFSC codes on its website.

Importance of IFSC Code in Fund Transfers

The IFSC code plays a significant role in secure and efficient fund transfers in the following ways:

  • NEFT (National Electronic Funds Transfer): The IFSC code ensures that funds are transferred accurately from one account in a bank to another account in a different bank in India.
  • RTGS (Real-Time Gross Settlement): The IFSC code ensures the safety and speed of high-value transactions where money needs to be transferred at once.
  • IMPS (Immediate Payment Service): An instant fund transfer service where the IFSC code directs funds to the correct branch instantly.
  • Error Prevention: Accurate use of the IFSC code minimizes the chances of funds being directed to the wrong account or branch, thereby reducing errors.

Benefits of Using IFSC Code

Here are the main benefits of IFSC codes you must know:

  • Increased Security: Using the correct IFSC code ensures the transaction reaches the correct branch of the bank, minimizing errors or misdirected funds.
  • Faster and More Efficient: IFSC codes streamline the fund transfer process, making it faster than traditional methods.
  • Universal Use: Since the IFSC code system is standardized across all banks in India, it can be used for transfers between any banks.

Procedure to Perform Indian Overseas Bank Fund Transfer Using IFSC Code

Fund transfer using an IFSC code is a simple yet vital process:

  • Log in Through Online Banking: Use your mobile banking app or Internet banking portal to log in to your bank.
  • Fund Transfer: Select the option for fund transfer, choosing between NEFT, RTGS, or IMPS.
  • Add Recipient Details: Enter the recipient's name, account number, bank name, and the IFSC code of their branch.
  • Validate Details: Verify the entered details to avoid errors. Incorrect bank and IFSC details can lead to the rejection of your fund transfer request.
  • Confirm Transfer: After confirmation, the money will be transferred. Depending on the mode of transfer, the amount may be transferred within a few seconds or minutes.

How to Open a Indian Overseas Bank Bank Account

Opening a bank account is a simple if you have the necessary documents and meet the eligibility criteria:

Eligibility Criteria

  • Any citizen over 18 years old is eligible to open a bank account.
  • In the case of minors, parents or guardians can open an account on their behalf.
  • Non-residents are also eligible, provided they fulfill certain conditions established by the banks.

Required Documents

  • Proof of Identity: Aadhaar Card, Passport, Voter ID, or any government-issued ID.
  • Proof of Address: Aadhaar Card, Passport, utility bills, or any valid document proving residence.
  • PAN Card: A PAN card is required for tax compliance.
  • Passport Size Photographs: Usually, two to three recent photographs are needed.
  • Form 16: In certain cases where a PAN card is not available, Form 16 may be considered.

Process to Open an Account

  • Visit a Bank: Visit a branch of your chosen bank, or apply online if the bank offers an online application service.
  • Fill Out the Form: Complete the account opening form with your personal information.
  • Submit Documents: Provide documents verifying your identity and address.
  • Initial Deposit: Make an initial deposit if required by the specific type of account.
  • Account Activation: Once your documents are verified, your account will be activated, and you will receive a passbook, checkbook, and debit card.
  • Register for Internet and Mobile Banking: Register for Internet and mobile banking services to facilitate easy transactions.

Loan EMI Calculator: Importance and Types

For anyone taking a loan, an EMI calculator is a vital and useful tool. Based on the loan amount, interest rate, and repayment period, it assists you in calculating the monthly repayment amount. You may better manage your money and make sure the loan doesn't put a burden on your resources by using an EMI calculator. It helps you steer clear of any unpleasant shocks later on by giving you a clear image of your financial commitment.

Loan Calculators

  • Loan Calculator VA: Specifically designed for VA loans, helping veterans calculate their mortgage payments.
  • Loan Calculator Vehicle: Assists in determining monthly payments for vehicle loans.
  • Loan Calculator 30 Year: Calculates monthly payments for a 30-year loan term.
  • Loan Calculator Yearly Payment: Provides an annual breakdown of loan payments.

EMI Calculators

  • EMI Calculator for Home Loan: Helps in calculating the Equated Monthly Installment (EMI) for home loans.
  • EMI Calculator Us: Tailored for users in the US to compute their home loan EMIs.
  • EMI Calculator on Home Loan: Another tool for calculating home loan EMIs, ensuring accurate monthly payment estimates.

Interest Calculators

  • Interest calculator yearly: Calculates the annual interest on loans or investments.

SIP Calculators

  • SIP Calculator India: Designed for Indian investors to calculate returns on Systematic Investment Plans (SIPs).
  • SIP Calculator Return: Estimates the returns on SIP investments.
  • SIP Calculator Mutual Fund: Calculates potential returns from mutual fund SIPs.
  • SIP Calculator Months: Provides monthly breakdowns of SIP investments.
  • SIP Calculator Online: An online tool for calculating SIP returns.
  • SIP Calculator Yearly: Offers yearly projections of SIP returns.

PPF Calculators

  • PPF Calculator India: Calculates returns on Public Provident Fund (PPF) investments in India.
  • PPF Generator: Generates detailed reports on PPF investments.
  • PPF Calculator 15 Years: Estimates returns over a 15-year period.
  • PPF Calculator 30 Years: Projects returns over a 30-year period.

Conclusion

An IFSC code is an essential component of the Indian banking system, ensuring the secure electronic transfer of funds. Whether you're doing a simple NEFT transfer or a high-value RTGS transaction, the IFSC code plays an indispensable role in smooth banking operations. Knowing how to find and use this code is crucial for anyone conducting electronic transactions in India.

Frequently Asked Questions (FAQs)

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a specific branch of a bank in India. It is required for electronic fund transfers like RTGS and NEFT.

The IFSC code is crucial for ensuring safe and error-free transfers from one bank to another. It helps route transactions through the correct bank branch.

You can find the IFSC code on your cheque book and passbook or on your bank's official website. The Reserve Bank of India also publishes a list of IFSC codes.

Yes, the IFSC code is required to complete electronic fund transfers like NEFT, RTGS, and IMPS. Without the IFSC code, the transfer cannot be completed.

In Internet banking, the IFSC code of the beneficiary's bank and branch ensures safe and accurate transfers.

No, each branch of a bank has a unique IFSC code, making it easier to identify the specific branch for transactions.

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