Indian Overseas Bank Regional Office Ranchi IFSC Code — IOBA0002845
Ranchi, Jharkhand • PIN 834001
IFSC
IOBA0002845
MICR
—
Branch code
002845
PIN
834001
The IFSC code for Indian Overseas Bank, Regional Office Ranchi branch in Ranchi, Jharkhand is IOBA0002845. 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 is not listed in the public RBI dataset for this branch . The branch is located at ATMARAM BHAVAN,RADHESHYAM LANE,MAHATMA GANDHI MARG,RANCHI,JHARKHAND STATE,PIN.
Transfer rails supported at this branch
| Rail | Settlement | Limit | Use IFSC? |
|---|---|---|---|
| NEFT | 30-min batches, 24×7 | None | IOBA0002845 |
| RTGS | Real-time | ≥ ₹2 lakh | IOBA0002845 |
| IMPS | Instant, 24×7 | ₹5 lakh/txn | IOBA0002845 |
| NACH | 2-3 business days | Mandate-based | IOBA0002845 + 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, Regional Office Ranchi?
The IFSC code for Indian Overseas Bank, Regional Office Ranchi branch in Ranchi, Jharkhand is IOBA0002845. 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?
MICR code for this branch is not listed in the public RBI dataset. Check your cheque book or call the branch on the bank customer care number to confirm.
Is this branch on NEFT, RTGS, IMPS, and UPI?
Yes. Indian Overseas Bank supports NEFT, RTGS, and IMPS at all branches including Regional Office Ranchi. UPI works at the customer level (linked to your account), not the branch level.
Where is Indian Overseas Bank, Regional Office Ranchi located?
Indian Overseas Bank, Regional Office Ranchi is located at: ATMARAM BHAVAN,RADHESHYAM LANE,MAHATMA GANDHI MARG,RANCHI,JHARKHAND STATE,PIN. PIN code: 834001.
How do I transfer money to Indian Overseas Bank, Regional Office Ranchi?
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 IOBA0002845, 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: IOBA0002845.
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 Regional Office Ranchi 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 IOBA0002845, MICR from your cheque, 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: 002845) 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.