Use this page as a one-stop reference for everything related to Indian Overseas Bank's AHMEDABAD BAVLA branch in BAVLA, GUJARAT. The branch's IFSC code IOBA0002532 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 AHMEDABAD BAVLA branch, the IFSC IOBA0002532 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002532 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ahmedabad Bavla |
| IFSC Code | IOBA0002532 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 120124 SILVER PLAZA COMPLEX,NEW BAZAR STATION ROAD,BAVLA,AHMEDABAD DIST 382220 |
| City | Bavla |
| District | Ahmadabad |
| State | Gujarat |
| Phone | 231884 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ahmedabad Bavla branch in Bavla, Gujarat is part of this network and uses the IFSC code IOBA0002532 for all electronic settlement.
About this branch
The branch is located at 120124 SILVER PLAZA COMPLEX,NEW BAZAR STATION ROAD,BAVLA,AHMEDABAD DIST 382220. It serves the Bavla region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0002532 is used to identify this branch on the RBI payments network.
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 AHMEDABAD BAVLA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002532 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 IOBA0002532 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0002532
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 IOBA0002532 across all three.
NEFT to Indian Overseas Bank, AHMEDABAD BAVLA using IFSC IOBA0002532
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 IOBA0002532, and confirm that the system picks up Indian Overseas Bank – AHMEDABAD BAVLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002532
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 – AHMEDABAD BAVLA, ensure your bank's portal accepts IFSC IOBA0002532 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – AHMEDABAD BAVLA, use IMPS. With IFSC IOBA0002532 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 IOBA0002532 for Indian Overseas Bank – AHMEDABAD BAVLA, 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 – IOBA0002532 | Yes – IOBA0002532 | Yes – IOBA0002532 |
For most retail customers crediting the Ahmedabad Bavla 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 IOBA0002532
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 – AHMEDABAD BAVLA is still mapped to IFSC IOBA0002532. 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 IOBA0002532 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ahmedabad Bavla branch
Once you have an account at Indian Overseas Bank – AHMEDABAD BAVLA, the IFSC IOBA0002532 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 Ahmedabad Bavla 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 IOBA0002532
MICR & cheque-truncation details
Cheques drawn on the Ahmedabad Bavla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002532 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0002532
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the AHMEDABAD BAVLA 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 IOBA0002532 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.
Common mistakes to avoid when using IFSC IOBA0002532
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 – AHMEDABAD BAVLA, 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:
IOBA0002532. - 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.
How to reach the Ahmedabad Bavla branch
The branch is located at 120124 SILVER PLAZA COMPLEX,NEW BAZAR STATION ROAD,BAVLA,AHMEDABAD DIST 382220, which puts it inside Bavla, the broader Ahmadabad district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ahmedabad Bavla branch” — the verified location pin for IFSC IOBA0002532 should appear at the top of the results.
- Confirm the branch is open by calling 231884 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 IOBA0002532 and your account number.
Verifying IFSC IOBA0002532 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 IOBA0002532 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 231884.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ahmedabad Bavla 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 IOBA0002532 continue to work without interruption.
Branch address & contact
Indian Overseas BankAhmedabad Bavla Branch
120124 SILVER PLAZA COMPLEX,NEW BAZAR STATION ROAD,BAVLA,AHMEDABAD DIST 382220
Bavla, Gujarat
Phone: 231884
IFSC: IOBA0002532
Frequently asked questions
What is the phone number of Indian Overseas Bank Ahmedabad Bavla branch?
You can reach the branch at 231884 during regular banking hours.
Is IFSC IOBA0002532 valid for NEFT and RTGS?
Yes. IFSC IOBA0002532 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IOBA0002532 the same for all accounts at Ahmedabad Bavla branch?
Yes. The IFSC IOBA0002532 is shared by every account held at Indian Overseas Bank's Ahmedabad Bavla branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Ahmedabad Bavla branch located?
Indian Overseas Bank's Ahmedabad Bavla branch is located at 120124 SILVER PLAZA COMPLEX,NEW BAZAR STATION ROAD,BAVLA,AHMEDABAD DIST 382220, Bavla, Gujarat.
How do I add Indian Overseas Bank Ahmedabad Bavla as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002532, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Ahmedabad Bavla branch?
The IFSC code of Indian Overseas Bank, Ahmedabad Bavla branch is IOBA0002532. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Ahmedabad Bavla branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 231884 to confirm.
Can I use IFSC IOBA0002532 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002532 to send funds instantly.
Summary
The IFSC code IOBA0002532 belongs to Indian Overseas Bank's AHMEDABAD BAVLA branch, located at 120124 SILVER PLAZA COMPLEX,NEW BAZAR STATION ROAD,BAVLA,AHMEDABAD DIST 382220 in BAVLA, GUJARAT. 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.
