Use this page as a one-stop reference for everything related to Indian Overseas Bank's RAJENDRA NAGAR GHAZIABAD branch in GHAZIABAD, UTTAR PRADESH. The branch's IFSC code IOBA0002645 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, IOBA0002645 is the IFSC of Indian Overseas Bank's RAJENDRA NAGAR GHAZIABAD branch. The format is fixed: IOBA = bank code, 0 = reserved, 002645 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Rajendra Nagar Ghaziabad |
| IFSC Code | IOBA0002645 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOTNO 19,SECTOR 5,M4U CINEMA HALL,RAJENDRANAGAR,SAHIBABAD,GHAZIABAD 201005,UTTAR PRADESH |
| City | Ghaziabad |
| District | Ghaziabad |
| State | Uttar Pradesh |
| STD Code | 44 |
| Phone | 28584896 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Rajendra Nagar Ghaziabad branch in Ghaziabad. 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, IOBA0002645.
About this branch
The branch is located at PLOTNO 19,SECTOR 5,M4U CINEMA HALL,RAJENDRANAGAR,SAHIBABAD,GHAZIABAD 201005,UTTAR PRADESH. It serves the Ghaziabad 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 IOBA0002645 is used to identify this branch on the RBI payments network.
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 RAJENDRA NAGAR GHAZIABAD branch came to be assigned the code IOBA0002645.
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 IOBA0002645, money simply cannot be routed to the RAJENDRA NAGAR GHAZIABAD branch electronically.
How to transfer money using IFSC IOBA0002645
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 IOBA0002645 across all three.
NEFT to Indian Overseas Bank, RAJENDRA NAGAR GHAZIABAD using IFSC IOBA0002645
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 IOBA0002645, and confirm that the system picks up Indian Overseas Bank – RAJENDRA NAGAR GHAZIABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002645
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 – RAJENDRA NAGAR GHAZIABAD, ensure your bank's portal accepts IFSC IOBA0002645 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – RAJENDRA NAGAR GHAZIABAD, use IMPS. With IFSC IOBA0002645 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 IOBA0002645 for Indian Overseas Bank – RAJENDRA NAGAR GHAZIABAD, 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 – IOBA0002645 | Yes – IOBA0002645 | Yes – IOBA0002645 |
For most retail customers crediting the Rajendra Nagar Ghaziabad 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 RAJENDRA NAGAR GHAZIABAD branch, the IFSC IOBA0002645 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.
Products and account variants supported
Every account opened at the Rajendra Nagar Ghaziabad branch is mapped to IFSC IOBA0002645 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 IOBA0002645.
Products and services
Customers walking into the Rajendra Nagar Ghaziabad 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 IOBA0002645
MICR & cheque-truncation details
Cheques drawn on the Rajendra Nagar Ghaziabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002645 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0002645
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the RAJENDRA NAGAR GHAZIABAD 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 IOBA0002645 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.
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 – RAJENDRA NAGAR GHAZIABAD:
- The IFSC is exactly IOBA0002645 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 RAJENDRA NAGAR GHAZIABAD 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 Rajendra Nagar Ghaziabad branch
The branch is located at PLOTNO 19,SECTOR 5,M4U CINEMA HALL,RAJENDRANAGAR,SAHIBABAD,GHAZIABAD 201005,UTTAR PRADESH, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Rajendra Nagar Ghaziabad branch” — the verified location pin for IFSC IOBA0002645 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0002645 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0002645 for Indian Overseas Bank – RAJENDRA NAGAR GHAZIABAD, 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 Rajendra Nagar Ghaziabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002645, however, work 24x7.
Branch address & contact
Indian Overseas BankRajendra Nagar Ghaziabad Branch
PLOTNO 19,SECTOR 5,M4U CINEMA HALL,RAJENDRANAGAR,SAHIBABAD,GHAZIABAD 201005,UTTAR PRADESH
Ghaziabad, Uttar Pradesh
Phone: 44-28584896
IFSC: IOBA0002645
Frequently asked questions
Does Indian Overseas Bank Rajendra Nagar Ghaziabad branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
How do I add Indian Overseas Bank Rajendra Nagar Ghaziabad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002645, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Rajendra Nagar Ghaziabad branch?
The IFSC code of Indian Overseas Bank, Rajendra Nagar Ghaziabad branch is IOBA0002645. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Rajendra Nagar Ghaziabad branch but serve different purposes.
Can I use IFSC IOBA0002645 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002645 to send funds instantly.
What is the phone number of Indian Overseas Bank Rajendra Nagar Ghaziabad branch?
You can reach the branch at 44-28584896 during regular banking hours.
How quickly will an NEFT transfer using IOBA0002645 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Rajendra Nagar Ghaziabad reflect within 30 minutes.
Summary
The IFSC code IOBA0002645 belongs to Indian Overseas Bank's RAJENDRA NAGAR GHAZIABAD branch, located at PLOTNO 19,SECTOR 5,M4U CINEMA HALL,RAJENDRANAGAR,SAHIBABAD,GHAZIABAD… in GHAZIABAD, 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.
