Indian Overseas Bank RATNAGIRI Branch IFSC Code
IOBA 0001979
Indian Overseas Bank RATNAGIRI — RATNAGIRI, MAHARASHTRA
MICR: 415020051
RTGS: ✓
NEFT: ✓
IMPS: ✓
UPI: ✓
Branch Details
- Bank
- Indian Overseas Bank
- Branch
- RATNAGIRI
- IFSC Code
- IOBA0001979
- MICR Code
- 415020051
- City
- RATNAGIRI
- District
- RATNAGIRI
- State
- MAHARASHTRA
- Contact
- +912352271667
How to Use This IFSC Code
NEFT Transfer
Use IFSC code IOBA0001979 to send money via NEFT to this branch. NEFT transfers are processed in hourly batches during working hours. No minimum amount required.
RTGS Transfer
This branch supports RTGS for high-value instant transfers above ₹2 lakhs. Use the same IFSC code IOBA0001979.
IMPS Transfer
IMPS is available 24×7 including holidays. Maximum ₹5 lakhs per transaction. Use IFSC code IOBA0001979.
IFSC Code Structure
I
O
B
A
0
0
0
1
9
7
9
- IOBA — Bank code (Indian Overseas Bank)
- 0 — Reserved (always 0)
- 001979 — Branch code (RATNAGIRI)
Frequently Asked Questions
Is IOBA0001979 valid for online transfer?
Yes, IOBA0001979 is a valid IFSC code for Indian Overseas Bank RATNAGIRI branch in RATNAGIRI, MAHARASHTRA. You can use this code for NEFT, RTGS, and IMPS transfers.
What bank does IOBA0001979 belong to?
IOBA0001979 belongs to Indian Overseas Bank. The first 4 characters "IOBA" identify the bank.
What is the MICR code for this branch?
The MICR code for Indian Overseas Bank RATNAGIRI is 415020051. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing.
Can I do RTGS using IOBA0001979?
Yes, this branch supports RTGS (Real Time Gross Settlement). RTGS is used for high-value instant transfers above ₹2 lakhs. Available on working days during RBI specified hours.