Branch Details — IOBA0003844
| Bank Name | Indian Overseas Bank |
| Branch Name | Phulbani Town |
| IFSC Code | IOBA0003844 |
| MICR Code | Not allotted |
| Bank Code (RBI) | IOBA |
| Branch Code | 003844 |
| Address | NEAR SARBA MANGALA PRESS, MASTERPADA,PHULBANI,PO-PHULBANI,DIST-KANDHAMAL,PIN-762001,ODISHA |
| City | Kandhamal |
| District | Phulbani |
| State | Odisha |
| Toll Free | 1800-425-4445 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using IOBA0003844
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC IOBA0003844.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC IOBA0003844.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is IOBA0003844. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Indian Overseas Bank Phulbani Town branch, Kandhamal, Odisha.
This branch has not been allotted an MICR code in RBI records.
Address: NEAR SARBA MANGALA PRESS, MASTERPADA,PHULBANI,PO-PHULBANI,DIST-KANDHAMAL,PIN-762001,ODISHA. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
IOBA identifies Indian Overseas Bank. The 5th character 0 is reserved by RBI. The last 6 characters 003844 identify the Phulbani Town branch.
Yes. Indian Overseas Bank Phulbani Town Branch (IFSC: IOBA0003844) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC IOBA0003844 → select NEFT/RTGS/IMPS → confirm with OTP.