Use this page as a one-stop reference for everything related to Indian Overseas Bank's CHAJARSI branch in DADRI, UTTAR PRADESH. The branch's IFSC code IOBA0003178 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.
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, IOBA0003178 is the IFSC of Indian Overseas Bank's CHAJARSI branch. The format is fixed: IOBA = bank code, 0 = reserved, 003178 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Chajarsi branch in Dadri. 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, IOBA0003178.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Chajarsi |
| IFSC Code | IOBA0003178 |
| MICR Code | Refer to cheque leaf |
| Branch Address | COMMERCIAL BUILDING,CH BLOCK,CHAJARSI VILLAGE,NOIDA,UP 201307 |
| City | Dadri |
| District | Gautam Buddha Nagar |
| State | Uttar Pradesh |
| STD Code | 44 |
| Phone | 28584896 |
About the Chajarsi branch
The Chajarsi branch of Indian Overseas Bank is situated at COMMERCIAL BUILDING,CH BLOCK,CHAJARSI VILLAGE,NOIDA,UP 201307. 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 IOBA0003178 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 CHAJARSI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003178 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 IOBA0003178 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 Chajarsi branch is mapped to IFSC IOBA0003178 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 IOBA0003178.
Banking services available
The Chajarsi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- 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 IOBA0003178
How to transfer money using IFSC IOBA0003178
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 IOBA0003178 across all three.
NEFT to Indian Overseas Bank, CHAJARSI using IFSC IOBA0003178
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 IOBA0003178, and confirm that the system picks up Indian Overseas Bank – CHAJARSI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003178
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 – CHAJARSI, ensure your bank's portal accepts IFSC IOBA0003178 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank CHAJARSI (IFSC IOBA0003178)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003178 in your mobile or internet banking app, and the money is credited to the CHAJARSI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0003178 for Indian Overseas Bank – CHAJARSI, 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 – IOBA0003178 | Yes – IOBA0003178 | Yes – IOBA0003178 |
For most retail customers crediting the Chajarsi 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 IOBA0003178
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 – CHAJARSI is still mapped to IFSC IOBA0003178. 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 IOBA0003178 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Chajarsi 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 IOBA0003178 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 Chajarsi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003178 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 – CHAJARSI:
- The IFSC is exactly IOBA0003178 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 CHAJARSI 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.
Reaching the branch
The Chajarsi branch sits at COMMERCIAL BUILDING,CH BLOCK,CHAJARSI VILLAGE,NOIDA,UP 201307. If you are travelling from outside Dadri, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0003178 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003178 for Indian Overseas Bank – CHAJARSI, 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 Chajarsi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0003178, however, work 24x7.
Branch address & contact
Indian Overseas BankChajarsi Branch
COMMERCIAL BUILDING,CH BLOCK,CHAJARSI VILLAGE,NOIDA,UP 201307
Dadri, Uttar Pradesh
Phone: 44-28584896
IFSC: IOBA0003178
Frequently asked questions
Does Indian Overseas Bank Chajarsi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
What is the phone number of Indian Overseas Bank Chajarsi branch?
You can reach the branch at 44-28584896 during regular banking hours.
Where is Indian Overseas Bank Chajarsi branch located?
Indian Overseas Bank's Chajarsi branch is located at COMMERCIAL BUILDING,CH BLOCK,CHAJARSI VILLAGE,NOIDA,UP 201307, Dadri, Uttar Pradesh.
Can I use IFSC IOBA0003178 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003178 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Chajarsi branch?
The IFSC code of Indian Overseas Bank, Chajarsi branch is IOBA0003178. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Overseas Bank Chajarsi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003178, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003178 the same for all accounts at Chajarsi branch?
Yes. The IFSC IOBA0003178 is shared by every account held at Indian Overseas Bank's Chajarsi branch. Only the account number changes from customer to customer.
Final notes
To recap: IOBA0003178 is the IFSC code of Indian Overseas Bank, CHAJARSI branch, in DADRI, UTTAR PRADESH. 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.
