Use this page as a one-stop reference for everything related to Indian Overseas Bank's VALLABH VIDYA NAGAR branch in ANAND, GUJARAT. The branch's IFSC code IOBA0003914 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's VALLABH VIDYA NAGAR branch, the IFSC IOBA0003914 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003914 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vallabh Vidya Nagar branch in Anand, Gujarat is part of this network and uses the IFSC code IOBA0003914 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Vallabh Vidya Nagar |
| IFSC Code | IOBA0003914 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO.4,SIGMA PRIME,NEAR SARDAR PATEL STATUE,VALLABH VIDYA NAGAR,DISTRICT ANAND,GUJARAT -388120 |
| City | Anand |
| District | Anand |
| State | Gujarat |
| STD Code | 0 |
| Phone | 0 |
About the Vallabh Vidya Nagar branch
The Vallabh Vidya Nagar branch of Indian Overseas Bank is situated at SHOP NO.4,SIGMA PRIME,NEAR SARDAR PATEL STATUE,VALLABH VIDYA NAGAR,DISTRICT ANAND,GUJARAT -388120. 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 IOBA0003914 is used.
Why every Indian Overseas Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including VALLABH VIDYA NAGAR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003914 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IOBA0003914 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Vallabh Vidya Nagar branch
Once you have an account at Indian Overseas Bank – VALLABH VIDYA NAGAR, the IFSC IOBA0003914 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 Vallabh Vidya Nagar 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 IOBA0003914
How to transfer money using IFSC IOBA0003914
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 IOBA0003914 across all three.
NEFT to Indian Overseas Bank, VALLABH VIDYA NAGAR using IFSC IOBA0003914
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IOBA0003914, and confirm that the system picks up Indian Overseas Bank – VALLABH VIDYA NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003914
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 – VALLABH VIDYA NAGAR, ensure your bank's portal accepts IFSC IOBA0003914 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – VALLABH VIDYA NAGAR, use IMPS. With IFSC IOBA0003914 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003914 for Indian Overseas Bank – VALLABH VIDYA NAGAR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IOBA0003914 | Yes – IOBA0003914 | Yes – IOBA0003914 |
For most retail customers crediting the Vallabh Vidya Nagar branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC IOBA0003914
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Overseas Bank – VALLABH VIDYA NAGAR is still mapped to IFSC IOBA0003914. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IOBA0003914 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0003914
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the VALLABH VIDYA NAGAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IOBA0003914 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
MICR & cheque-truncation details
Cheques drawn on the Vallabh Vidya Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003914 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0003914
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Overseas Bank – VALLABH VIDYA NAGAR, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IOBA0003914. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Vallabh Vidya Nagar branch sits at SHOP NO.4,SIGMA PRIME,NEAR SARDAR PATEL STATUE,VALLABH VIDYA NAGAR,DISTRICT ANAND,GUJARAT -388120. If you are travelling from outside Anand, search for the branch on a maps application using the bank name and locality, or call 0 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IOBA0003914 and your account number.
Verifying IFSC IOBA0003914 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 IOBA0003914 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Vallabh Vidya Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003914, however, work 24x7.
Branch address & contact
Indian Overseas BankVallabh Vidya Nagar Branch
SHOP NO.4,SIGMA PRIME,NEAR SARDAR PATEL STATUE,VALLABH VIDYA NAGAR,DISTRICT ANAND,GUJARAT -388120
Anand, Gujarat
Phone: 0
IFSC: IOBA0003914
Frequently asked questions
How do I add Indian Overseas Bank Vallabh Vidya Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003914, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0003914 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003914 to send funds instantly.
Does Indian Overseas Bank Vallabh Vidya Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
How quickly will an NEFT transfer using IOBA0003914 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Vallabh Vidya Nagar reflect within 30 minutes.
What is the phone number of Indian Overseas Bank Vallabh Vidya Nagar branch?
You can reach the branch at 0 during regular banking hours.
Where is Indian Overseas Bank Vallabh Vidya Nagar branch located?
Indian Overseas Bank's Vallabh Vidya Nagar branch is located at SHOP NO.4,SIGMA PRIME,NEAR SARDAR PATEL STATUE,VALLABH VIDYA NAGAR,DISTRICT ANAND,GUJARAT -388120, Anand, Gujarat.
Final notes
To recap: IOBA0003914 is the IFSC code of Indian Overseas Bank, VALLABH VIDYA NAGAR branch, in ANAND, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
