IFSC Code IOBA0003239 - INDIAN OVERSEAS BANK KAPAN

IOBA0003239 INDIAN OVERSEAS BANK AKALTARA Janjgir-Champa Chhattisgarh

AT KAPAN PO KAPAN DIST JANJGIR CHAMPA CHATTISGARH 495552

View all INDIAN OVERSEAS BANK branches
Quick Info

IFSC: IOBA0003239

Pincode: 495552

District: Janjgir-Champa

Status: Active

About This Branch - INDIAN OVERSEAS BANK

The INDIAN OVERSEAS BANK branch in KAPAN is located in AKALTARA, Janjgir-Champa, Chhattisgarh and is identified by the IFSC code IOBA0003239.

Financial Operations & Digital Payments

IFSC codes are integral to India\'s digital banking infrastructure. The code IOBA0003239 enables secure electronic transfers to accounts within this specific branch of INDIAN OVERSEAS BANK. This identifier is used across multiple settlement systems managed by the Reserve Bank of India.

NEFT & RTGS

NEFT (National Electronic Funds Transfer) is available for standard transfers, while RTGS (Real Time Gross Settlement) serves high-value transactions over ₹2 lakh.

NEFT: Yes RTGS: Yes
IMPS & UPI

IMPS (Immediate Payment Service) provides 24/7 instant transfers, and UPI (Unified Payments Interface) offers seamless mobile banking experiences.

IMPS: Yes UPI: Yes
Official Branch Address

The registered address for this branch is AT KAPAN PO KAPAN DIST JANJGIR CHAMPA CHATTISGARH 495552, Pincode: 495552. When adding a beneficiary for online banking, please ensure the IFSC IOBA0003239 matches the branch name and location provided to ensure successful delivery of funds.

Verification Tip: For significant transactions, it is recommended to verify information with your original bank documents, such as a chequebook or official correspondence, to account for any local variations or recent branch restructuring.
Branch Details
IFSC Code: IOBA0003239
Bank Name: INDIAN OVERSEAS BANK
Branch Name: KAPAN
Address: AT KAPAN PO KAPAN DIST JANJGIR CHAMPA CHATTISGARH 495552
City: AKALTARA
District: Janjgir-Champa
State: Chhattisgarh
Pincode: 495552
Payment Services Available
NEFT
Available
RTGS
Available
IMPS
Available
UPI
Available
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Understanding the IFSC Code for INDIAN OVERSEAS BANK, KAPAN

The Indian Financial System Code (IFSC) is an alphanumeric code that uniquely identifies a bank-branch participating in the two main electronic funds settlement systems in India: NEFT and RTGS. For the INDIAN OVERSEAS BANK KAPAN branch, the assigned IFSC is IOBA0003239. This code is critical for ensuring that your digital transactions are routed securely and accurately to the correct recipient in AKALTARA, Chhattisgarh.

The Role of IOBA0003239 in Digital Banking

When you initiate an online transfer, whether it's via a mobile app or net banking, the IOBA0003239 code acts as a digital address for the INDIAN OVERSEAS BANK branch. It allows the Reserve Bank of India (RBI) to track and sort transactions across the vast network of banks and branches in India. Without a verified "IFSC code", digital payments like NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement) would not be possible, as the system would not know which specific branch to credit.

Versatile Payment Systems: NEFT, RTGS, IMPS, and UPI

The INDIAN OVERSEAS BANK KAPAN branch supports multiple payment infrastructures. NEFT is ideal for regular batch-processed transfers, while RTGS provides real-time settlement for high-value transactions above ₹2 Lakh. For instant, 24/7 transfers, IMPS is the preferred method. For small, everyday payments, UPI (Unified Payments Interface) uses a simplified virtual ID, but the underlying system still relies on the strength of branch identification provided by the IOBA0003239 code.

Safe Banking with MyEarthInfo

At MyEarthInfo, we provide a robust IFSC Finder and lookup tool to help you verify branch details before processing any transfer. Entering an incorrect code can lead to transaction failures or delays. By using our database to check the IOBA0003239 code for INDIAN OVERSEAS BANK KAPAN, you ensure that you are using verified data sourced from official RBI records. Our goal is to make digital banking safer and more convenient for every user in India.

Note: Finance and banking details can change, especially during bank mergers. Always double-check the IOBA0003239 code in your chequebook or with the official bank portal before initiating high-value transfers. Our tool is intended as a helpful guide for quick verification and convenience.

About IFSC Code IOBA0003239

IFSC Code IOBA0003239 belongs to INDIAN OVERSEAS BANK branch KAPAN located in AKALTARA, Janjgir-Champa, Chhattisgarh.

Branch Information

  • IFSC Code: IOBA0003239
  • Bank: INDIAN OVERSEAS BANK
  • Branch: KAPAN
  • Address: AT KAPAN PO KAPAN DIST JANJGIR CHAMPA CHATTISGARH 495552
  • City: AKALTARA
  • District: Janjgir-Champa
  • State: Chhattisgarh
  • Pincode: 495552

Payment Services

  • NEFT: Available
  • RTGS: Available
  • IMPS: Available
  • UPI: Available
Note: IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic fund transfers (NEFT, RTGS, IMPS). Always verify the IFSC code before initiating any transaction.

Frequently Asked Questions

IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. You can find IFSC code using our IFSC code search tool by entering the bank name, branch name, or the IFSC code itself.

To check IFSC code, use our IFSC code search tool. Enter the bank name and branch name, or search by IFSC code directly. You can also find banks near me by searching with your location.

IFSC code format consists of 11 characters: first 4 characters represent the bank name, followed by a zero (0), and the last 6 characters represent the branch code. For example, HDFC0001234 where HDFC is the bank code and 001234 is the branch code.

To find banks near me, use our IFSC finder tool. Enter your city or location, and we will show you all nearby bank branches with their IFSC codes, addresses, and contact details.

IFSC code is used for electronic fund transfers (NEFT, RTGS, IMPS) and is 11 characters long. MICR code is used for cheque processing and is 9 digits long. Both codes uniquely identify a bank branch.

You can verify IFSC code using our check IFSC code tool. Enter the IFSC code, and we will display the complete branch details including bank name, branch name, address, and available payment services (NEFT, RTGS, IMPS, UPI).

Yes, IFSC code is required for all electronic fund transfer methods including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Our tool shows which services are available for each branch.

To get IFSC code by bank name and branch, use our search tool. Select "Search by Bank & Branch" option, enter the bank name (e.g., INDIAN OVERSEAS BANK) and branch name, and we will display the complete IFSC code details.