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AMRATOLLA    1 Branches
ANANDA PALIT ROAD    1 Branches
BAGHAJATIN    1 Branches
BALLYGUNGE    1 Branches
BALLYGUNGE PARK ROAD    1 Branches
BARANAGAR    1 Branches
BEHALA    1 Branches
BHOWANIPORE    1 Branches
BIRATI    1 Branches
CHAKGARIA    1 Branches
CHOWRINGHEE    2 Branches
DHAKURIA    1 Branches
DHARAMTOLLA ST    1 Branches
DIAMOND HARBOUR ROAD    1 Branches
DUM DUM PARK    1 Branches
FREE SCHOOL STREET    1 Branches
GARIA    1 Branches
GOL PARK    1 Branches
HOWRAH    1 Branches
INDIA EXCHANGE PLACE    1 Branches
INTL BUSINESS BRANCH    1 Branches
J M AVENUE    1 Branches
KADAMTALA    1 Branches
KALIGHAT    1 Branches
KASBA GOLD PARK    1 Branches
KESTOPUR    1 Branches
KOLKATA NEW MARKET    1 Branches
KOLKATA TEGHARIA    1 Branches
KOLKATABAGUIATI    1 Branches
KOLKATAPORT    1 Branches
KUDGHAT    1 Branches
LAKE MARKET    1 Branches
LANSDOWNE MARKET    1 Branches
LARGE CORPORATE    1 Branches
MACHUA BAZAAR    1 Branches
MUKUNDAPUR    1 Branches
NEW ALIPORE    1 Branches
PAR DANKUNI    1 Branches
PATULI    1 Branches
POSTA    1 Branches
PRINCE ANWARSHA RD    1 Branches
R O KOLKATA METRO    1 Branches
RAPID RETAIL CENTRE    1 Branches
SALT LAKE CITY    1 Branches
SANTOSHPUR    1 Branches
SARSUNA    1 Branches
SEALDAH    1 Branches
SHEORAPHULI    1 Branches
SHYAM BAZAAR    1 Branches
SONAPATTI    1 Branches
SREEMANI MARKET    1 Branches
STRAND ROAD    1 Branches
TOLLYGUNGE    1 Branches

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Rate Date : 01/11/24

We found 62 Branches available for INDIAN OVERSEAS BANK, WEST BENGAL, KOLKATA

General Information About Bank IFSC & MICR Code


What is an IFSC Code?

IFSC stands for Indian Financial System Code. It's an eleven digits & characters combination unique identifying number. This unique code helps to identify the perticular individual bank branches for smooth online transation such as NEFT, RTGS & IMPS transations. This code is developed by RBI (Reserve Bank of India).


Structure of the IFSC Code

The first four letters of the IFSC Code is bank code, Next one digits is genarally (0) zero & it's reserved for future use & last six digits is an unique identifier no for the particular Financial institution or bank branch.


Example : Breakdown of IFSC Code

A

B

C

D

0

1

2

3

4

5

6

Bank Code

Future Use

Branch Code


What is IFSC code used for?

IFSC Code used for various electronic or online fund transfer such as NEFT, RTGS, IMPS & other online fund transferring etc.


What is MICR Code?

MICR stands for Magnetic Ink Character Recognition technology & this code is developed by RBI (Reserve Bank of India). It's also a nine digits unique identifying number. This unique nine digits MICR code helps to identify the perticular individual bank branches and branch participating in an Electronic Clearing System (ECS).

The MICR code is located on the bottom of a each cheque leaf, next to the cheque number. You can also find it printed on the first page of a bank passbook.


Structure of the MICR Code


Example : Breakdown of MICR Code

1

2

3

4

5

6

7

8

9

City Code

Bank Code

Branch Code


What is MICR code used for?

MICR Code used for various financial transations such as SIP form or for transferring funds.


The given information is as per the guidelines of RBI (Reserve Bank of India)

Payment ServiceNEFTRTGSIMPS
ProcessProcess is based on Deferred Net Settlement (DNS) and the transfer of funds will be carried out in  half-hourly batches starting from 12:30 am to 12:00 amPayment process in which the money is credited in the beneficiary’s bank branch in real-time and on gross basisReal-time and instant interbank fund transfer process, IMPS is considered a secure & faster mode of fund transfer
Minimum Transfer LimitRe.1Rs.2 lakhRe.1
Maximum Transfer LimitNo limitNo limitRs.2 lakh
Operational TimingsAvailable 24x7, 365 days (including bank holidays)7 am to 6 pm on all working daysAvailable 24x7, 365 days (including bank holidays)
Inward Transaction ChargesNo chargesNo chargesDecided by individual member banks and PPIs


FAQ on IFSC & MICR code

Q. Do IFSC codes get changed?
A. Generally no but if the particular bank undergoes any merger or something then only the new IFSC code will be issued by RBI (Reserve Bank of India) & the old one will be deactivated.

Q. How to transfer money using the IFSC code?
A. Using IFSC code transferring funds from one bank to another bank or the same bank different accounts is really a hassle free solution. When you try to transfer funds using online banking such as NEFT, RTGS, IMPS & others method then you need the customer name, bank account no. & the IFSC code.

Q. Is sharing IFSC & MICR code safe?
A. Each Indivitual bank branch's IFSC code & MICR code is matchless and it's essential in India for transferring funds through the online banking. Every bank guarantees the security of the fund transfer & no one may misuse the IFSC code & MICR code for fraud, theft & spaming.

Q. Is IFSC code and branch code is same?
A. No. An IFSC code is an eleven digit alphanumeric unique code issued by RBI(Reserve Bank of India) to identify the each indivitual bank branch. Branch code is a part of of the IFSC code because it's identify a particual bank branch. The last 6 digit of the IFSC code is the branch code & this code is also printed on your first page of your bank passbook.