Branch Details — IOBA0002978
| Bank Name | Indian Overseas Bank |
| Branch Name | Kannauj |
| IFSC Code | IOBA0002978 |
| MICR Code | 209020302 |
| Bank Code (RBI) | IOBA |
| Branch Code | 002978 |
| Address | HOUSE NO 7 SARAI BAHADUR KANNAUJ 209725 |
| City | Kanauj |
| District | Kannauj |
| State | Uttar Pradesh |
| Contact | +914428584896 |
| Toll Free | 1800-425-4445 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using IOBA0002978
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC IOBA0002978.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC IOBA0002978.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is IOBA0002978. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Indian Overseas Bank Kannauj branch, Kanauj, Uttar Pradesh.
The MICR code is 209020302. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: HOUSE NO 7 SARAI BAHADUR KANNAUJ 209725. 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 002978 identify the Kannauj branch.
Yes. Indian Overseas Bank Kannauj Branch (IFSC: IOBA0002978) 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 IOBA0002978 → select NEFT/RTGS/IMPS → confirm with OTP.