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IFSC: IOBA0003112 — Detail
Bank	INDIAN OVERSEAS BANK
Branch	CENTRAL PENDAM
State	SIKKIM
District	EAST SIKKIM
Address	VILL KARMITHANG,UPPER PENDAM P O,EAST SIKKIM DIST,SIKKIM STATE PIN 737132
Contact	+914428584896
IFSC Code	IOBA0003112
MICR Code

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Find IFSC & MICR Codes of Indian Banks

Search and verify the IFSC (Indian Financial System Code) and MICR (Magnetic Ink Character Recognition) codes for all Indian banks. Access accurate branch addresses, contact details, and RBI-recognized data for safe electronic fund transfers across NEFT, RTGS, and IMPS networks.

What is IFSC Code?

The IFSC code is an 11-character alphanumeric code used to identify individual bank branches for electronic payment systems like NEFT, RTGS, and IMPS.

Format breakdown:

First 4 letters: Bank identifier (e.g., SBIN)
5th character: Always ‘0’, reserved by RBI
Last 6 digits: Branch code (e.g., 000123)

Example: SBIN0000123 refers to a specific State Bank of India branch.

What is MICR Code?

MICR code is a 9-digit numeric code printed on cheques to speed up processing through magnetic ink readers. It also helps in verifying the authenticity of the bank branch.

Structure of MICR:

First 3 digits: City code (based on PIN)
Next 3 digits: Bank code
Last 3 digits: Branch code

MICR helps automate cheque clearance and reduce errors in banking systems.

Disclaimer: The IFSC and MICR codes provided on this website are sourced from publicly available data published by the Reserve Bank of India (RBI) and official bank websites. While we make every effort to ensure the accuracy and reliability of the information, the vast volume of data means that occasional errors, outdated details, or omissions may occur.

We continuously work to improve and update the database; however, there may be delays in reflecting the most recent changes. Therefore, users are strongly advised to verify the IFSC and MICR codes directly with their respective banks before initiating any financial transactions.

This website is intended solely for informational purposes and is not affiliated with the Reserve Bank of India or any individual bank. We are not liable for any discrepancies, outdated information, or financial losses resulting from the use of this data.

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