Indian Overseas Bank — GARACHARMA Branch

How to Use IOBA0003194 for Money Transfers

The IFSC code IOBA0003194 is specifically assigned to the GARACHARMA branch of Indian Overseas Bank located in ANDAMAN, ANDAMAN AND NICOBAR ISLANDS. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use IOBA0003194 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use IOBA0003194 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require IOBA0003194 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Indian Overseas Bank GARACHARMA Branch

The GARACHARMA branch of Indian Overseas Bank is situated in ANDAMAN, ANDAMAN AND NICOBAR ISLANDS. The branch address is G R HOUSING SOCIETY P.O,GARACHARMA,SOUTH ANDAMAN ST. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. You can contact this branch at +914428584896. Always use the IFSC code IOBA0003194 when making any online fund transfer to an account held at this branch.