Below are the complete branch details for Indian Overseas Bank, VIRAR WEST branch, located in AGASHI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001901. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0001901 for Indian Overseas Bank – VIRAR WEST — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0001901 is the IFSC of Indian Overseas Bank's VIRAR WEST branch. The format is fixed: IOBA = bank code, 0 = reserved, 001901 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Virar West branch in Agashi. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0001901.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Virar West |
| IFSC Code | IOBA0001901 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KOLKATA M |
| City | Agashi |
| District | Thane |
| State | Maharashtra |
| Phone | 2505844 |
About the Virar West branch
The Virar West branch of Indian Overseas Bank is situated at KOLKATA M. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0001901 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Overseas Bank's VIRAR WEST branch came to be assigned the code IOBA0001901.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IOBA0001901, money simply cannot be routed to the VIRAR WEST branch electronically.
Account types you can open at the Virar West branch
Once you have an account at Indian Overseas Bank – VIRAR WEST, the IFSC IOBA0001901 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Virar West branch can access most of Indian Overseas Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IOBA0001901
How to transfer money using IFSC IOBA0001901
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IOBA0001901 across all three.
How to use IFSC IOBA0001901 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's VIRAR WEST branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0001901.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as VIRAR WEST.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0001901
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – VIRAR WEST, ensure your bank's portal accepts IFSC IOBA0001901 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank VIRAR WEST (IFSC IOBA0001901)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001901 in your mobile or internet banking app, and the money is credited to the VIRAR WEST branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Virar West
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0001901:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at VIRAR WEST is still linked to IFSC IOBA0001901.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Overseas Bank's VIRAR WEST branch, the IFSC IOBA0001901 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Digital banking channels
Most day-to-day work that customers used to do at the Virar West branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0001901 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR & cheque-truncation details
Cheques drawn on the Virar West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001901 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Overseas Bank – VIRAR WEST:
- The IFSC is exactly IOBA0001901 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Overseas Bank as the bank name and VIRAR WEST as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Virar West branch
The branch is located at KOLKATA M, which puts it inside Agashi, the broader Thane district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Virar West branch” — the verified location pin for IFSC IOBA0001901 should appear at the top of the results.
- Confirm the branch is open by calling 2505844 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IOBA0001901 and your account number.
Verifying IFSC IOBA0001901 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IOBA0001901 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2505844.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Virar West are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IOBA0001901 continue to work without interruption.
Branch address & contact
Indian Overseas BankVirar West Branch
KOLKATA M
Agashi, Maharashtra
Phone: 2505844
IFSC: IOBA0001901
Frequently asked questions
What is the phone number of Indian Overseas Bank Virar West branch?
You can reach the branch at 2505844 during regular banking hours.
Can I use IFSC IOBA0001901 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001901 to send funds instantly.
Does Indian Overseas Bank Virar West branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2505844 to confirm.
Is IFSC IOBA0001901 valid for NEFT and RTGS?
Yes. IFSC IOBA0001901 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Virar West branch located?
Indian Overseas Bank's Virar West branch is located at KOLKATA M, Agashi, Maharashtra.
Is IFSC IOBA0001901 the same for all accounts at Virar West branch?
Yes. The IFSC IOBA0001901 is shared by every account held at Indian Overseas Bank's Virar West branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Virar West branch?
The IFSC code of Indian Overseas Bank, Virar West branch is IOBA0001901. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Overseas Bank Virar West as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001901, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0001901 belongs to Indian Overseas Bank's VIRAR WEST branch, located at KOLKATA M in AGASHI, MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
