Branch Details — IOBA0003112
| Bank Name | Indian Overseas Bank |
| Branch Name | Central Pendam |
| IFSC Code | IOBA0003112 |
| MICR Code | Not allotted |
| Bank Code (RBI) | IOBA |
| Branch Code | 003112 |
| Address | VILL KARMITHANG,UPPER PENDAM P O,EAST SIKKIM DIST,SIKKIM STATE PIN 737132 |
| City | East Sikkim |
| District | Rungpo |
| State | Sikkim |
| Contact | +914428584896 |
| Toll Free | 1800-425-4445 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using IOBA0003112
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC IOBA0003112.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC IOBA0003112.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is IOBA0003112. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Indian Overseas Bank Central Pendam branch, East Sikkim, Sikkim.
This branch has not been allotted an MICR code in RBI records.
Address: VILL KARMITHANG,UPPER PENDAM P O,EAST SIKKIM DIST,SIKKIM STATE PIN 737132. 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 003112 identify the Central Pendam branch.
Yes. Indian Overseas Bank Central Pendam Branch (IFSC: IOBA0003112) 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 IOBA0003112 → select NEFT/RTGS/IMPS → confirm with OTP.