Indian Overseas Bank
MOHANLALGANJ Branch
RBI Sourced
Official branch credentials for Indian Overseas Bank located in LUCKNOW, UTTAR PRADESH.
The IFSC code for Indian Overseas Bank MOHANLALGANJ branch in LUCKNOW, UTTAR PRADESH is IOBA0003861. This 11-character alphanumeric code is used by the Reserve Bank of India to identify bank branches for electronic fund transfers including NEFT, RTGS, and IMPS. The MICR code for this branch is 226020036. Verify your transactions using this official RBI-compliant routing data.
Branch Intelligence
Branch Location Details: The registered address of Indian Overseas Bank MOHANLALGANJ is: MISHRA BUILDING, FULWARIYA TIRAHA, NEAR INDANE GAS AGENCY, MOHANLALGANJ, LUCKNOW- 226301, LUCKNOW, UTTAR PRADESH, PIN: 226301. The IFSC code IOBA0003861 is decoded as: Bank Identifier — IOBA, Control Character — 0, Branch Code — 003861. This branch falls under the UTTAR PRADESH banking jurisdiction and is regulated by the Reserve Bank of India. All transactions using IFSC IOBA0003861 are settled via the NPCI's Real-Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT) platforms.
About Indian Overseas Bank — Branch Network & Background
Indian Overseas Bank was founded in 1937 and operates as a Public Sector institution. It maintains a network of 3,400+ branches across India, employing 0.28 Lakh+ banking professionals. The MOHANLALGANJ location in LUCKNOW is one of the active nodes in this national network, operating under RBI License and DICGC deposit insurance coverage up to ₹5,00,000.
Banking Infrastructure in UTTAR PRADESH
UTTAR PRADESH is ranked #2 in India by number of active bank branches, with over 16,200+ branch offices registered with the RBI. The state contributes a GDP of approximately ₹22.6 Lakh Cr to India's national economy, making it a significant banking jurisdiction. The financial capital of UTTAR PRADESH is Lucknow, which hosts the regional banking hubs for most major scheduled banks. The branch's postal code 226301 places it within the UTTAR PRADESH banking postal jurisdiction, ensuring all postal banking correspondences are routed through the correct sorting hub.
NEFT & RTGS Transfer Charges (2025–26)
When transferring funds to Indian Overseas Bank MOHANLALGANJ using IFSC IOBA0003861, the following RBI-mandated fee structure applies:
| Transfer Amount | NEFT Fee |
|---|---|
| Up to ₹10,000 | ₹2.50 + GST |
| ₹10,001 – ₹1,00,000 | ₹5.00 + GST |
| ₹1,00,001 – ₹2,00,000 | ₹15.00 + GST |
| Above ₹2,00,000 | ₹25.00 + GST |
| RTGS (Min ₹2,00,000) | ₹20–₹45 + GST (varies by amount & bank) |
* IMPS is free or charged up to ₹5/transaction depending on your bank. UPI transfers are free. Charges are indicative and may vary by bank.
Operating Status & Settlement Timings
As of today (03 Jun 2026), the operational status of the MOHANLALGANJ branch is as follows: The branch is currently CLOSED for counter transactions. However, all digital channels—including Net Banking, Mobile App, UPI, and ATM services—remain fully functional and available 24x7. Electronic transfers to this branch are settled per standard NPCI cycles: UPI & IMPS transactions are settled instantly (24x7x365). NEFT transactions are processed in half-hourly batches, and RTGS transfers (above ₹2 Lakh) are settled on a continuous, real-time basis.
Banking Data Matrix
Safety Tips & Guidelines
- • 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
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How to Use IFSC Code IOBA0003861
Follow these step-by-step instructions to use the IFSC code IOBA0003861 for sending money to Indian Overseas Bank MOHANLALGANJ 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: IOBA0003861
- 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: IOBA0003861
- 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: IOBA0003861
- 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 MOHANLALGANJ
Indian Overseas Bank MOHANLALGANJ branch is a fully operational banking facility located in LUCKNOW, UTTAR PRADESH. Identified by the IFSC code IOBA0003861, this branch is part of the Reserve Bank of India's (RBI) payment and settlement infrastructure and participates in all major electronic clearing systems.
The branch code 003861 is unique to this specific location, while the prefix IOBA identifies Indian Overseas Bank across all its branches nationally. Customers can use this branch for account opening, fixed deposits, recurring deposits, personal loans, home loans, education loans, locker facilities, and all digital banking services including UPI, NEFT, RTGS, and IMPS.
For residents and businesses in LUCKNOW, this branch serves as a primary financial access point. All transactions are governed by RBI regulations, and deposits up to ₹5,00,000 are insured under the DICGC (Deposit Insurance and Credit Guarantee Corporation) framework. We recommend visiting during non-peak hours (11 AM - 1 PM) for faster service.
Frequently Asked Questions
Everything you need to know about Indian Overseas Bank MOHANLALGANJ branch in LUCKNOW.
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