Indian Overseas Bank — BAGHAJATIN Branch

How to Use IOBA0002194 for Money Transfers

The IFSC code IOBA0002194 is specifically assigned to the BAGHAJATIN branch of Indian Overseas Bank located in KOLKATA, WEST BENGAL. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use IOBA0002194 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use IOBA0002194 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require IOBA0002194 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Indian Overseas Bank BAGHAJATIN Branch

The BAGHAJATIN branch of Indian Overseas Bank is situated in KOLKATA, WEST BENGAL. The branch address is 68 B BY 30 AMARESH BHAVAN,RAJA S.C. MALLICK ROAD,KOLKATA,PIN 700092,DIST KOLKATA. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. You can contact this branch at 24297787. Always use the IFSC code IOBA0002194 when making any online fund transfer to an account held at this branch.