RBI Verified • Updated 26 February 2026
IOBA0003864 - Garhwa Indian Overseas Bank IFSC Code Garhwa
Garhwa, Jharkhand
I
Full Branch Details for IOBA0003864
IOBA0003864
For NEFT, RTGS & IMPS transactions
IFSC Format Breakdown
IOBA - Bank Code
0 - Reserved (0)
003864 - Branch Code
WAITING
For cheque clearing (printed on cheques)
MICR Code Details
WAI - City Code
TIN - Bank Code
G - Branch Code
Branch Contact & Location Details
Full Address
Kamla Complex,Chinya RoadGarhwa - 822114Jharkhand
Contact Number6561-8789246462
Working Hours
Mon-Fri: 10:00 AM - 4:00 PM
Sat: 10:00 AM - 1:00 PM (1st, 3rd, 5th only)
Closed on 2nd & 4th Saturdays, Sundays & bank holidays
How to Use IOBA0003864 for Bank Transfers (NEFT/RTGS/IMPS/UPI)
Use this IFSC code when transferring money to any account at Indian Overseas Bank Garhwa branch. Here's how different transfer methods work:
💸
NEFT
- Timing: 24x7 Available
- Limit: No minimum or maximum limit
- Charges: ₹0-25 based on amount
⚡
RTGS
- Timing: 24x7 Available
- Limit: Min ₹2 Lakhs
- Charges: ₹25-55 based on amount
🚀
IMPS
- Timing: Instant (24x7)
- Limit: Max ₹5 Lakhs per transaction
- Charges: ₹0-15 based on bank
Step-by-Step: How to Transfer Money Using This IFSC Code
- 1Log in to your bank's net banking or mobile banking app
- 2Go to "Add Beneficiary" or "Manage Payee" section
- 3Enter beneficiary's account number and IOBA0003864 as IFSC code
- 4Verify details and complete beneficiary activation (usually instant or 30 minutes)
- 5Select NEFT/RTGS/IMPS, enter amount, and confirm the transfer
Frequently Asked Questions – Garhwa Branch, Garhwa
Common questions about Indian Overseas Bank Garhwa branch and IFSC IOBA0003864
Location Map & Directions
Nearby Indian Overseas Bank Branches in Garhwa
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