IFSC Code of Indian Overseas Bank, Ghaziabadshalimar Garden Branch, Uttar Pradesh

If you are searching for the IFSC code of Indian Overseas Bank, GHAZIABADSHALIMAR GARDEN branch in GHAZIABAD, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0001634. 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 GHAZIABADSHALIMAR GARDEN branch, and detailed step-by-step guides for using the IFSC IOBA0001634 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 GHAZIABADSHALIMAR GARDEN branch, the IFSC IOBA0001634 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001634 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 Ghaziabadshalimar Garden branch — IFSC IOBA0001634 — extends the bank's services to customers in and around Ghaziabad, Uttar Pradesh.

Branch details at a glance

Ghaziabadshalimar Garden branch overview

Located at ST MARY S CHRISTIAN HI B BLOCK SHALIMAR GARDEN EXTN II SAHIBABAD GHAZIABAD PIN 201005, the Ghaziabadshalimar Garden branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0001634 is required for all interbank electronic transfers routed through this branch.

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 GHAZIABADSHALIMAR GARDEN of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001634 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 IOBA0001634 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 Ghaziabadshalimar Garden branch is mapped to IFSC IOBA0001634 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 IOBA0001634.

Banking services available

The Ghaziabadshalimar Garden 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 IOBA0001634

How to transfer money using IFSC IOBA0001634

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 IOBA0001634 across all three.

How to use IFSC IOBA0001634 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's GHAZIABADSHALIMAR GARDEN 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0001634.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as GHAZIABADSHALIMAR GARDEN.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IOBA0001634

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 – GHAZIABADSHALIMAR GARDEN, ensure your bank's portal accepts IFSC IOBA0001634 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank GHAZIABADSHALIMAR GARDEN (IFSC IOBA0001634)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001634 in your mobile or internet banking app, and the money is credited to the GHAZIABADSHALIMAR GARDEN branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0001634 for Indian Overseas Bank – GHAZIABADSHALIMAR GARDEN, 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.

For most retail customers crediting the Ghaziabadshalimar Garden 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 GHAZIABADSHALIMAR GARDEN branch, the IFSC IOBA0001634 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 IOBA0001634

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the GHAZIABADSHALIMAR GARDEN 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 IOBA0001634 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 Ghaziabadshalimar Garden branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001634 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 – GHAZIABADSHALIMAR GARDEN:

• The IFSC is exactly IOBA0001634 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 GHAZIABADSHALIMAR GARDEN 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 Ghaziabadshalimar Garden branch

The branch is located at ST MARY S CHRISTIAN HI B BLOCK SHALIMAR GARDEN EXTN II SAHIBABAD GHAZIABAD PIN 201005, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Ghaziabadshalimar Garden branch” — the verified location pin for IFSC IOBA0001634 should appear at the top of the results.
2. Confirm the branch is open by calling 44-28584896 before stepping out, especially around public holidays.
3. 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 IOBA0001634 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001634 for Indian Overseas Bank – GHAZIABADSHALIMAR GARDEN, 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 Ghaziabadshalimar Garden branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001634, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0001634 is the IFSC code of Indian Overseas Bank, GHAZIABADSHALIMAR GARDEN branch, in GHAZIABAD, 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.