Question 1

How can I verify the IFSC code of Indian Overseas Bank Garacharma branch?

Accepted Answer

Garacharma branch of Indian Overseas Bank, located in Garacharama, Andaman And Nicobar Islands, uses the IFSC code IOBA0003194. Operating in Garacharama, this branch provides comprehensive banking services to local residents and businesses. Use this IFSC code when setting up fund transfers, bill payments, or linking accounts to digital wallets.

Question 2

What payment methods work with Garacharma IFSC code?

Accepted Answer

The Garacharma branch supports online fund transfers using IFSC IOBA0003194 for seamless money transfers. The branch infrastructure supports real-time payment processing for immediate credit to beneficiary accounts. Explore more Indian Overseas Bank branches in Garacharama at Indian Overseas Bank Garacharama directory.

Question 3

What types of accounts can I open at Garacharma?

Accepted Answer

The Indian Overseas Bank branch at Garacharma provides personal and business banking, investment products, credit cards, and online banking access. With IFSC IOBA0003194, this branch integrates seamlessly with online banking platforms and mobile apps. Visit during business hours or use the branch's online banking portal for round-the-clock convenience.

Question 4

How do I use the MICR code WAITING for cheque clearing?

Accepted Answer

Indian Overseas Bank Garacharma uses MICR code WAITING for cheque clearing operations. Both codes serve distinct purposes: IFSC IOBA0003194 for online transfers and MICR WAITING for cheque reconciliation at Garacharama clearing house. You'll find the MICR code printed at the bottom of cheques issued by Garacharma.

Question 5

Is the IFSC code IOBA0003194 still active and operational?

Accepted Answer

Before transferring funds, cross-check that IFSC IOBA0003194 corresponds to Indian Overseas Bank Garacharma in Garacharama. Branch details including IFSC IOBA0003194 were last synchronized with RBI data on February 2026. For real-time verification, contact Indian Overseas Bank customer care or visit the branch at Garacharama.

IOBA0003194 - Garacharma Indian Overseas Bank IFSC Code Garacharama

Full Branch Details for IOBA0003194

IFSC Format Breakdown

MICR Code Details

Branch Contact & Location Details

How to Use IOBA0003194 for Bank Transfers (NEFT/RTGS/IMPS/UPI)

Step-by-Step: How to Transfer Money Using This IFSC Code

Frequently Asked Questions – Garacharma Branch, Garacharama

Location Map & Directions

Nearby Indian Overseas Bank Branches in Garacharama

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