GARACHARMA Branch
The IFSC code of INDIAN OVERSEAS BANK GARACHARMA branch is IOBA0003194. This code is used for NEFT, RTGS, and IMPS fund transfers to this branch in GARACHARAMA, ANDAMAN AND NICOBAR ISLANDS.
IOBA identifies INDIAN OVERSEAS BANK, 0 is a reserved digit (always 0), and 003194 identifies the GARACHARMA branch. Together they form the 11-character IFSC code assigned by the Reserve Bank of India.
INDIAN OVERSEAS BANK GARACHARMA branch is located at G R HOUSING SOCIETY P.O,GARACHARMA,SOUTH ANDAMAN ST.
Yes, IOBA0003194 is valid for all electronic transfers: NEFT (24x7, batch settlement), RTGS (real-time, minimum Rs 2 lakh), IMPS (instant, 24x7, up to Rs 5 lakh), and UPI (IFSC is used internally for bank routing in all UPI transactions). Enter this code with the account number to transfer funds to INDIAN OVERSEAS BANK GARACHARMA.
MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque clearing and processing. Unlike the IFSC code used for online transfers, the MICR code is printed at the bottom of your cheque leaf using magnetic ink and is read by automated clearing machines.
Based on RBI records, IOBA0003194 is an active IFSC code assigned to INDIAN OVERSEAS BANK GARACHARMA in GARACHARAMA, ANDAMAN AND NICOBAR ISLANDS. If you receive a transaction failure citing this IFSC, contact INDIAN OVERSEAS BANK directly or verify on the RBI website, as codes may be updated following bank mergers or branch relocations.
Verify Before You Transfer
Always confirm the IFSC code directly with INDIAN OVERSEAS BANK or the RBI before initiating a high-value transfer.
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