IFSC Code IOBA0000682 - Indian Overseas Bank Shahkot
VISHKARMA MARKET MANDI VILL AND POST SHAHKOT PIN 144702
Quick Info
IFSC: IOBA0000682
Pincode: 144702
District: Jalandhar
Status: Active
About Indian Overseas Bank Shahkot
IFSC Code IOBA0000682 belongs to Indian Overseas Bank Shahkot branch located in Shahkot, Jalandhar, Punjab. This branch serves customers in Shahkot, Jalandhar, Punjab and surrounding areas.
Understanding IFSC Code IOBA0000682
The IFSC (Indian Financial System Code) IOBA0000682 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (IOBA): Bank code identifying Indian Overseas Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (000682): Unique branch identifier for Shahkot
Electronic Fund Transfer Services
IFSC Code IOBA0000682 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Indian Overseas Bank Shahkot branch is located at VISHKARMA MARKET MANDI VILL AND POST SHAHKOT PIN 144702 (Pincode: 144702) in Shahkot, Jalandhar, Punjab. This location serves customers in Shahkot, Jalandhar, Punjab and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code IOBA0000682 to ensure the transaction is routed correctly.
How to Use IFSC Code IOBA0000682
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: IOBA0000682 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Indian Overseas Bank Branches
If you're looking for other Indian Overseas Bank branches in Shahkot, Jalandhar, Punjab or nearby areas, use our Indian Overseas Bank branch finder. You can search by city, district, or state to find all Indian Overseas Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | IOBA0000682 |
| Bank Name: | Indian Overseas Bank |
| Branch Name: | Shahkot |
| Address: | VISHKARMA MARKET MANDI VILL AND POST SHAHKOT PIN 144702 |
| City: | Shahkot |
| District: | Jalandhar |
| State: | Punjab |
| Pincode: | 144702 |
Payment Services Available
Indian Overseas Bank Shahkot Branch IFSC Code IOBA0000682 — Complete Banking Guide for Shahkot, Punjab
IFSC code IOBA0000682 belongs to the Shahkot branch of Indian Overseas Bank in Shahkot, Jalandhar district, Punjab. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC IOBA0000682 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Indian Overseas Bank, Shahkot Branch
The Shahkot branch of Indian Overseas Bank in Shahkot, Punjab serves retail and corporate customers in Jalandhar district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC IOBA0000682 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC IOBA0000682
Four primary digital payment rails use IFSC IOBA0000682 for transfers to Indian Overseas Bank, Shahkot: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC IOBA0000682 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Shahkot branch of Indian Overseas Bank in Shahkot carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC IOBA0000682 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC IOBA0000682 Before Transferring
Before initiating any high-value transfer to IFSC IOBA0000682, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Indian Overseas Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Indian Overseas Bank Shahkot, Shahkot IFSC
What is the IFSC of Indian Overseas Bank Shahkot in Shahkot?
The IFSC of Indian Overseas Bank, Shahkot branch in Shahkot, Punjab is IOBA0000682. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC IOBA0000682?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC IOBA0000682 to route funds to Indian Overseas Bank, Shahkot, Shahkot.
Who assigns IFSC codes like IOBA0000682?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Indian Overseas Bank applied for the IFSC for its Shahkot branch in Shahkot, and RBI issued IOBA0000682 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC IOBA0000682 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC IOBA0000682 at Indian Overseas Bank, Shahkot, Shahkot. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC IOBA0000682.
About IFSC Code IOBA0000682
IFSC Code IOBA0000682 belongs to Indian Overseas Bank branch Shahkot located in Shahkot, Jalandhar, Punjab.
Branch Information
- IFSC Code: IOBA0000682
- Bank: Indian Overseas Bank
- Branch: Shahkot
- Address: VISHKARMA MARKET MANDI VILL AND POST SHAHKOT PIN 144702
- City: Shahkot
- District: Jalandhar
- State: Punjab
- Pincode: 144702
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available