Indian Overseas Bank Jaripatka IFSC Code — IOBA0003856
Nagpur, Maharashtra • PIN 440014
IFSC
IOBA0003856
MICR
440020014
Branch code
003856
PIN
440014
The IFSC code for Indian Overseas Bank, Jaripatka branch in Nagpur, Maharashtra is IOBA0003856. Use this code as the beneficiary IFSC when sending money to any account held at this branch via NEFT, RTGS, IMPS, or NACH. The MICR code 440020014 is used for cheque clearing and NACH mandate setup. The branch is located at PLOT NO 45/F HEMU KALANI SQUARE NEAR HANUMAN MANDIR, JARIPATKA, NAGPUR 440014 MAHARASHTRA.
Transfer rails supported at this branch
| Rail | Settlement | Limit | Use IFSC? |
|---|---|---|---|
| NEFT | 30-min batches, 24×7 | None | IOBA0003856 |
| RTGS | Real-time | ≥ ₹2 lakh | IOBA0003856 |
| IMPS | Instant, 24×7 | ₹5 lakh/txn | IOBA0003856 |
| NACH | 2-3 business days | Mandate-based | IOBA0003856 + MICR |
| UPI | Instant | ₹1 lakh/day | Not needed (handle-based) |
Next steps
- Understand hidden NEFT / IMPS / RTGS fees → Hidden ATM, IMPS, NEFT & RTGS bank fees exposed
- UPI vs IMPS — which is faster and cheaper? → UPI transaction limits 2026 (every category exception)
- Opening a new account? → Best savings account interest rates — SFB vs big banks
- Worried your deposit is safe? → DICGC deposit insurance — is your money safe?
- More Indian Overseas Bank branches → All Indian Overseas Bank IFSC codes
More Indian Overseas Bank branches
- Serlingampally-Chandanagar, Hyderabad — IOBA0002353
- Sarhapura, Bangalore Urban — IOBA0002579
- Asset Recovery Management Branch, Hyderabad, Hyderabad — IOBA0002582
- Hyderabad - Habsiguda, Hyderabad — IOBA0002932
- Shiksha Bhawan, Patna, Patna — IOBA0002450
Frequently asked questions
What is the IFSC code for Indian Overseas Bank, Jaripatka?
The IFSC code for Indian Overseas Bank, Jaripatka branch in Nagpur, Maharashtra is IOBA0003856. Use this 11-character code for NEFT, RTGS, and IMPS transfers to any account at this branch.
What is the MICR code for this branch?
The MICR code for Indian Overseas Bank, Jaripatka is 440020014. MICR codes are printed on the bottom of cheque leaves and are required for NACH auto-debit mandate setup.
Is this branch on NEFT, RTGS, IMPS, and UPI?
Yes. Indian Overseas Bank supports NEFT, RTGS, and IMPS at all branches including Jaripatka. UPI works at the customer level (linked to your account), not the branch level.
Where is Indian Overseas Bank, Jaripatka located?
Indian Overseas Bank, Jaripatka is located at: PLOT NO 45/F HEMU KALANI SQUARE NEAR HANUMAN MANDIR, JARIPATKA, NAGPUR 440014 MAHARASHTRA. PIN code: 440014.
How do I transfer money to Indian Overseas Bank, Jaripatka?
Open your bank's net banking or UPI app, choose NEFT/RTGS/IMPS as the transfer mode, enter the beneficiary account number, the IFSC code IOBA0003856, and the recipient's name as on bank records. Funds typically settle within 30 minutes for NEFT/IMPS and instantly for RTGS (above ₹2 lakh).
What is the difference between NEFT, RTGS, and IMPS?
NEFT settles in 30-minute batches 24×7. RTGS is real-time but only for transfers ≥ ₹2 lakh. IMPS is instant, 24×7, with per-transaction limits varying by bank (typically ₹5 lakh). All three need the same IFSC code: IOBA0003856.
Can I receive international wire transfers at this branch?
Only if the branch is also SWIFT-enabled. Indian Overseas Bank has a separate SWIFT code (BIC) used by its international correspondent banks. Confirm whether Jaripatka accepts inbound USD/EUR/GBP wires before sharing the IFSC with an overseas sender.
How do I set up a NACH auto-debit mandate using this IFSC?
Provide the IFSC IOBA0003856, MICR 440020014, your account number, and a cancelled cheque image to the requesting party (SIP, EMI, insurance, or SaaS subscription). The mandate clears in 2-3 business days after submission.
Is the IFSC code the same as the branch code?
No. The last 6 characters of an IFSC (here: 003856) are the branch identifier within the bank, but the IFSC itself is the only code banks use for inter-bank transfers. The first 4 characters (IOBA) identify Indian Overseas Bank.
What if the IFSC code on this page is wrong?
This data is sourced from the RBI public IFSC dataset, refreshed monthly. If you spot an error, report it via the feedback link in the site footer — we cross-check against the bank's net banking portal and update within 48 hours.
Source: RBI public IFSC dataset, last refreshed 2026-06-08. Always cross-check the IFSC on your bank's net banking portal or passbook before high-value transfers. HonestMoney.in is not affiliated with Indian Overseas Bank or the Reserve Bank of India.