INDIAN OVERSEAS BANK GARACHARMA IFSC Code

    IOBA0003194
    Verified

    IFSC Code Breakdown

    IOBA

    Bank Code

    0

    Zero

    003194

    Branch Code

    Note: The 5th character is always the digit zero (0), not the letter O.

    Branch Details for IOBA0003194

    Bank

    INDIAN OVERSEAS BANK

    Branch

    GARACHARMA

    IFSC Code

    IOBA0003194

    MICR Code

    WAITING

    Address

    G R HOUSING SOCIETY P.O,GARACHARMA,SOUTH ANDAMAN ST

    City

    GARACHARAMA

    District

    ANDAMAN

    State

    ANDAMAN AND NICOBAR ISLANDS

    STD Code

    44

    Phone

    28584896

    How to Use This IFSC

    NEFT: Use this IFSC for National Electronic Funds Transfer. Available 24x7.

    RTGS: Use for Real Time Gross Settlement for amounts ≥₹2 lakh.

    IMPS: For Immediate Payment Service, available 24x7 for instant transfers.

    Last Updated: Feb 2026

    About this Branch

    The GARACHARMA branch of INDIAN OVERSEAS BANK is located in ANDAMAN, ANDAMAN AND NICOBAR ISLANDS. This branch handles NEFT, RTGS, and IMPS transactions for the GARACHARAMA area. The IFSC code IOBA0003194 is required for all electronic fund transfers to this branch.

    Frequently Asked Questions

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