Indian Overseas Bank
GARACHARMA Branch
RBI Sourced
Official branch credentials for Indian Overseas Bank located in ANDAMAN, ANDAMAN AND NICOBAR ISLANDS.
Banking Data Matrix
80/100
Multi-factor score: Data source (RBI Sourced), freshness, fraud reports, and bank health. How we verify
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Supported Payment Networks
Typical Banking Hours (India)
Standard RBI working hours for scheduled commercial bank branches — shown as general guidance. Actual timings at this branch may differ.
How to Use IFSC Code IOBA0003194
Follow these step-by-step instructions to use the IFSC code IOBA0003194 for sending money to Indian Overseas Bank GARACHARMA branch.
Send via NEFT
- Log into your Internet Banking or Mobile Banking app
- Go to Fund Transfer → Add Beneficiary
- Enter beneficiary name and account number at Indian Overseas Bank
- Enter IFSC Code: IOBA0003194
- Select NEFT as transfer mode, enter amount, and confirm
- Money reaches within 30 minutes to 2 hours (processed in batches)
Send via RTGS (₹2 Lakh+)
- Open your bank's net banking portal or mobile app
- Navigate to Fund Transfer → RTGS
- Add beneficiary with account number + IFSC: IOBA0003194
- Minimum transfer amount: ₹2,00,000
- Money is credited instantly in real-time (24x7 available)
Send via IMPS (Instant)
- Open your mobile banking app
- Select IMPS Transfer
- Enter beneficiary details with IFSC: IOBA0003194
- Maximum limit: ₹5,00,000 per transaction
- Transfer completes within seconds — available 24x7x365
- Always double-check the IFSC code before confirming any transfer
- Cross-verify with your passbook or cheque book issued by Indian Overseas Bank
- For first-time transfers, send a small test amount (₹1-₹10) first
- Never share your OTP, PIN, or password with anyone claiming to be from Indian Overseas Bank
About Indian Overseas Bank GARACHARMA
Indian Overseas Bank GARACHARMA is a verified banking branch listed in the Reserve Bank of India's IFSC master directory. The verification timestamp is not yet recorded for this branch. A confidence score has not yet been assigned to this record.
The IFSC code IOBA0003194 is decoded as: bank identifier IOBA (Indian Overseas Bank) and branch code 003194, which uniquely identifies this GARACHARMA location. This branch reports BSR 0304824 (required for TDS and income tax filings), SWIFT IOBAINBBAND (for international wire transfers). Supported payment rails: NEFT ✔ (half-hourly batch settlements); RTGS ✔ (real-time for amounts above ₹2 lakh); IMPS ✔ (instant, 24×7, up to ₹5 lakh). All electronic transactions are settled through the NPCI and regulated by the RBI.
The registered address is G R HOUSING SOCIETY P.O,GARACHARMA,SOUTH ANDAMAN ST in GARACHARAMA district, ANDAMAN, ANDAMAN AND NICOBAR ISLANDS (PIN: 744201). For branch-specific queries, call +914428584896. As with all scheduled commercial bank branches in India, deposits up to ₹5,00,000 per account holder are insured under the DICGC framework.
Frequently Asked Questions
Everything you need to know about Indian Overseas Bank GARACHARMA branch in ANDAMAN.
Related Banking Guides
Deepen your understanding of banking operations, digital payments, and financial tools with these expert-written guides — curated specifically for Indian Overseas Bank customers in ANDAMAN AND NICOBAR ISLANDS.