Use this page as a one-stop reference for everything related to Indian Overseas Bank's HIMMATNAGAR branch in HIMATNAGAR, GUJARAT. The branch's IFSC code IOBA0002944 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, IOBA0002944 is the IFSC of Indian Overseas Bank's HIMMATNAGAR branch. The format is fixed: IOBA = bank code, 0 = reserved, 002944 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Himmatnagar branch in Himatnagar. 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, IOBA0002944.
About this branch
The branch is located at DEVDHJAN COMPLEX OPP MEDISTAR HOSPITAL SHAKARI JN NH8 HIMMAT NAGAR SABARKANTHA 383001 GUJARAT. It serves the Himatnagar 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 IOBA0002944 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Himmatnagar |
| IFSC Code | IOBA0002944 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DEVDHJAN COMPLEX OPP MEDISTAR HOSPITAL SHAKARI JN NH8 HIMMAT NAGAR SABARKANTHA 383001 GUJARAT |
| City | Himatnagar |
| District | Sabar Kantha |
| State | Gujarat |
| STD Code | 44 |
| Phone | 28584896 |
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 HIMMATNAGAR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002944 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 IOBA0002944 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Himmatnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002944 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0002944
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 IOBA0002944 across all three.
NEFT to Indian Overseas Bank, HIMMATNAGAR using IFSC IOBA0002944
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 IOBA0002944, and confirm that the system picks up Indian Overseas Bank – HIMMATNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002944
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 – HIMMATNAGAR, ensure your bank's portal accepts IFSC IOBA0002944 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – HIMMATNAGAR, use IMPS. With IFSC IOBA0002944 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 IOBA0002944 for Indian Overseas Bank – HIMMATNAGAR, 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 – IOBA0002944 | Yes – IOBA0002944 | Yes – IOBA0002944 |
For most retail customers crediting the Himmatnagar 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 HIMMATNAGAR branch, the IFSC IOBA0002944 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 Himmatnagar branch is mapped to IFSC IOBA0002944 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 IOBA0002944.
Products and services
Customers walking into the Himmatnagar 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 IOBA0002944
Online banking and IFSC IOBA0002944
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the HIMMATNAGAR 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 IOBA0002944 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.
How to reach the Himmatnagar branch
The branch is located at DEVDHJAN COMPLEX OPP MEDISTAR HOSPITAL SHAKARI JN NH8 HIMMAT NAGAR SABARKANTHA 383001 GUJARAT, which puts it inside Himatnagar, the broader Sabar Kantha district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Himmatnagar branch” — the verified location pin for IFSC IOBA0002944 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 IOBA0002944 and your account number.
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 – HIMMATNAGAR:
- The IFSC is exactly IOBA0002944 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 HIMMATNAGAR 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.
Working hours
Branch counters at Himmatnagar 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 IOBA0002944 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0002944 for Indian Overseas Bank – HIMMATNAGAR, 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 address & contact
Indian Overseas BankHimmatnagar Branch
DEVDHJAN COMPLEX OPP MEDISTAR HOSPITAL SHAKARI JN NH8 HIMMAT NAGAR SABARKANTHA 383001 GUJARAT
Himatnagar, Gujarat
Phone: 44-28584896
IFSC: IOBA0002944
Frequently asked questions
What is the phone number of Indian Overseas Bank Himmatnagar branch?
You can reach the branch at 44-28584896 during regular banking hours.
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 Himmatnagar branch but serve different purposes.
Is IFSC IOBA0002944 valid for NEFT and RTGS?
Yes. IFSC IOBA0002944 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Himmatnagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Is IFSC IOBA0002944 the same for all accounts at Himmatnagar branch?
Yes. The IFSC IOBA0002944 is shared by every account held at Indian Overseas Bank's Himmatnagar branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Himmatnagar branch located?
Indian Overseas Bank's Himmatnagar branch is located at DEVDHJAN COMPLEX OPP MEDISTAR HOSPITAL SHAKARI JN NH8 HIMMAT NAGAR SABARKANTHA 383001 GUJARAT, Himatnagar, Gujarat.
Can I use IFSC IOBA0002944 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002944 to send funds instantly.
How quickly will an NEFT transfer using IOBA0002944 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Himmatnagar reflect within 30 minutes.
Summary
The IFSC code IOBA0002944 belongs to Indian Overseas Bank's HIMMATNAGAR branch, located at DEVDHJAN COMPLEX OPP MEDISTAR HOSPITAL SHAKARI JN NH8 HIMMAT NAGAR SABARKANTHA… in HIMATNAGAR, GUJARAT. 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.
