If you are searching for the IFSC code of Indian Overseas Bank, CHANDAULI branch in CHANDAULI, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0002572. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CHANDAULI branch, and detailed step-by-step guides for using the IFSC IOBA0002572 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 CHANDAULI branch, the IFSC IOBA0002572 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 002572 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 Chandauli branch in Chandauli, Uttar Pradesh is part of this network and uses the IFSC code IOBA0002572 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Chandauli |
| IFSC Code | IOBA0002572 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 989,SHASTRI NAGAR,BESIDE SHANKAR SINGH EYE HOSPITAL,CHANDAULI,U.P.232104 |
| City | Chandauli |
| District | Chandauli |
| State | Uttar Pradesh |
| Phone | 260080 |
About this branch
The branch is located at 989,SHASTRI NAGAR,BESIDE SHANKAR SINGH EYE HOSPITAL,CHANDAULI,U.P.232104. It serves the Chandauli 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 IOBA0002572 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 CHANDAULI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002572 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 IOBA0002572 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Chandauli branch is mapped to IFSC IOBA0002572 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian Overseas Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains IOBA0002572.
Banking services available
The Chandauli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 260080.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0002572
How to transfer money using IFSC IOBA0002572
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 IOBA0002572 across all three.
How to use IFSC IOBA0002572 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's CHANDAULI 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 IOBA0002572.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as CHANDAULI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to CHANDAULI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's CHANDAULI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002572 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – CHANDAULI, use IMPS. With IFSC IOBA0002572 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 IOBA0002572 for Indian Overseas Bank – CHANDAULI, 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 – IOBA0002572 | Yes – IOBA0002572 | Yes – IOBA0002572 |
For most retail customers crediting the Chandauli 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.
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 CHANDAULI branch, the IFSC IOBA0002572 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.
Online banking and IFSC IOBA0002572
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the CHANDAULI 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 IOBA0002572 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 code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Overseas Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IOBA0002572 and the account number together uniquely identify the Chandauli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – CHANDAULI:
- The IFSC is exactly IOBA0002572 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 CHANDAULI 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 Chandauli branch
The branch is located at 989,SHASTRI NAGAR,BESIDE SHANKAR SINGH EYE HOSPITAL,CHANDAULI,U.P.232104, which puts it inside Chandauli, the broader Chandauli district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Chandauli branch” — the verified location pin for IFSC IOBA0002572 should appear at the top of the results.
- Confirm the branch is open by calling 260080 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 IOBA0002572 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0002572 for Indian Overseas Bank – CHANDAULI, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
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 Chandauli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002572, however, work 24x7.
Branch address & contact
Indian Overseas BankChandauli Branch
989,SHASTRI NAGAR,BESIDE SHANKAR SINGH EYE HOSPITAL,CHANDAULI,U.P.232104
Chandauli, Uttar Pradesh
Phone: 260080
IFSC: IOBA0002572
Frequently asked questions
How do I add Indian Overseas Bank Chandauli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002572, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0002572 the same for all accounts at Chandauli branch?
Yes. The IFSC IOBA0002572 is shared by every account held at Indian Overseas Bank's Chandauli branch. Only the account number changes from customer to customer.
Is IFSC IOBA0002572 valid for NEFT and RTGS?
Yes. IFSC IOBA0002572 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Chandauli branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 260080 to confirm.
Where is Indian Overseas Bank Chandauli branch located?
Indian Overseas Bank's Chandauli branch is located at 989,SHASTRI NAGAR,BESIDE SHANKAR SINGH EYE HOSPITAL,CHANDAULI,U.P.232104, Chandauli, Uttar Pradesh.
What is the phone number of Indian Overseas Bank Chandauli branch?
You can reach the branch at 260080 during regular banking hours.
Summary
The IFSC code IOBA0002572 belongs to Indian Overseas Bank's CHANDAULI branch, located at 989,SHASTRI NAGAR,BESIDE SHANKAR SINGH EYE HOSPITAL,CHANDAULI,U.P.232104 in CHANDAULI, UTTAR PRADESH. 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.
