Use this page as a one-stop reference for everything related to Indian Overseas Bank's UTTAM NAGAR branch in DELHI, DELHI. The branch's IFSC code IOBA0004135 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 UTTAM NAGAR branch, the IFSC IOBA0004135 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 004135 identifies this particular branch.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Uttam Nagar branch — IFSC IOBA0004135 — extends the bank's services to customers in and around Delhi, Delhi.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Uttam Nagar |
| IFSC Code | IOBA0004135 |
| MICR Code | Refer to cheque leaf |
| Branch Address | A 1 BLOCK ,GOVERDHAN PARK, UTTAM NAGAR NEW DELHI 110059 |
| City | Delhi |
| District | Delhi |
| State | Delhi |
| STD Code | 0 |
| Phone | 0 |
About the Uttam Nagar branch
The Uttam Nagar branch of Indian Overseas Bank is situated at A 1 BLOCK ,GOVERDHAN PARK, UTTAM NAGAR NEW DELHI 110059. 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 IOBA0004135 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 UTTAM NAGAR branch came to be assigned the code IOBA0004135.
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 IOBA0004135, money simply cannot be routed to the UTTAM NAGAR branch electronically.
Account types you can open at the Uttam Nagar branch
Once you have an account at Indian Overseas Bank – UTTAM NAGAR, the IFSC IOBA0004135 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 Uttam 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 IOBA0004135
How to transfer money using IFSC IOBA0004135
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 IOBA0004135 across all three.
NEFT to Indian Overseas Bank, UTTAM NAGAR using IFSC IOBA0004135
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 IOBA0004135, and confirm that the system picks up Indian Overseas Bank – UTTAM NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to UTTAM NAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's UTTAM NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0004135 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 – UTTAM NAGAR, use IMPS. With IFSC IOBA0004135 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Uttam Nagar
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 IOBA0004135:
- 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 UTTAM NAGAR is still linked to IFSC IOBA0004135.
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.
UPI payments and IFSC IOBA0004135
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 – UTTAM NAGAR is still mapped to IFSC IOBA0004135. 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 IOBA0004135 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0004135
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the UTTAM 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 IOBA0004135 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 Uttam Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0004135 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 IOBA0004135
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 – UTTAM 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:
IOBA0004135. - 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 Uttam Nagar branch sits at A 1 BLOCK ,GOVERDHAN PARK, UTTAM NAGAR NEW DELHI 110059. If you are travelling from outside Delhi, 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 IOBA0004135 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0004135 for Indian Overseas Bank – UTTAM NAGAR, 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.
Working hours
Branch counters at Uttam Nagar 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 IOBA0004135 continue to work without interruption.
Branch address & contact
Indian Overseas BankUttam Nagar Branch
A 1 BLOCK ,GOVERDHAN PARK, UTTAM NAGAR NEW DELHI 110059
Delhi, Delhi
Phone: 0
IFSC: IOBA0004135
Frequently asked questions
Where is Indian Overseas Bank Uttam Nagar branch located?
Indian Overseas Bank's Uttam Nagar branch is located at A 1 BLOCK ,GOVERDHAN PARK, UTTAM NAGAR NEW DELHI 110059, Delhi, Delhi.
Does Indian Overseas Bank Uttam Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
What is the phone number of Indian Overseas Bank Uttam Nagar branch?
You can reach the branch at 0 during regular banking hours.
Is IFSC IOBA0004135 the same for all accounts at Uttam Nagar branch?
Yes. The IFSC IOBA0004135 is shared by every account held at Indian Overseas Bank's Uttam Nagar branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank Uttam Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0004135, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0004135 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0004135 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Uttam Nagar branch?
The IFSC code of Indian Overseas Bank, Uttam Nagar branch is IOBA0004135. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0004135 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Uttam Nagar reflect within 30 minutes.
Summary
The IFSC code IOBA0004135 belongs to Indian Overseas Bank's UTTAM NAGAR branch, located at A 1 BLOCK ,GOVERDHAN PARK, UTTAM NAGAR NEW DELHI 110059 in DELHI, DELHI. 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.
