Use this page as a one-stop reference for everything related to Indian Overseas Bank's ADARSH NAGAR branch in HYDERABAD, ANDHRA PRADESH. The branch's IFSC code IOBA0001301 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Overseas Bank – ADARSH NAGAR is IOBA0001301. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001301 map to this branch in HYDERABAD, ANDHRA PRADESH.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Adarsh Nagar |
| IFSC Code | IOBA0001301 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 5 9 305A,PAIGA PLAZA BLDG,BASHEER BAGH,HYD |
| City | Hyderabad |
| District | Hyderabad |
| State | Andhra Pradesh |
| Phone | 23421559 |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Adarsh Nagar branch in Hyderabad. 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, IOBA0001301.
About the Adarsh Nagar branch
The Adarsh Nagar branch of Indian Overseas Bank is situated at 5 9 305A,PAIGA PLAZA BLDG,BASHEER BAGH,HYD. 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 IOBA0001301 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 ADARSH NAGAR branch came to be assigned the code IOBA0001301.
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 IOBA0001301, money simply cannot be routed to the ADARSH NAGAR branch electronically.
How to transfer money using IFSC IOBA0001301
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 IOBA0001301 across all three.
How to use IFSC IOBA0001301 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's ADARSH NAGAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0001301.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as ADARSH NAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to ADARSH NAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's ADARSH NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001301 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 – ADARSH NAGAR, use IMPS. With IFSC IOBA0001301 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 IOBA0001301 for Indian Overseas Bank – ADARSH NAGAR, 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 – IOBA0001301 | Yes – IOBA0001301 | Yes – IOBA0001301 |
For most retail customers crediting the Adarsh Nagar 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 ADARSH NAGAR branch, the IFSC IOBA0001301 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 Adarsh Nagar branch is mapped to IFSC IOBA0001301 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 IOBA0001301.
Products and services
Customers walking into the Adarsh 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 IOBA0001301
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Overseas Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IOBA0001301 and the account number together uniquely identify the Adarsh Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Adarsh Nagar 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 IOBA0001301 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.
Common mistakes to avoid when using IFSC IOBA0001301
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 – ADARSH 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:
IOBA0001301. - 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.
How to reach the Adarsh Nagar branch
The branch is located at 5 9 305A,PAIGA PLAZA BLDG,BASHEER BAGH,HYD, which puts it inside Hyderabad, the broader Hyderabad district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Adarsh Nagar branch” — the verified location pin for IFSC IOBA0001301 should appear at the top of the results.
- Confirm the branch is open by calling 23421559 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 IOBA0001301 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001301 for Indian Overseas Bank – ADARSH 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.
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 Adarsh Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001301, however, work 24x7.
Branch address & contact
Indian Overseas BankAdarsh Nagar Branch
5 9 305A,PAIGA PLAZA BLDG,BASHEER BAGH,HYD
Hyderabad, Andhra Pradesh
Phone: 23421559
IFSC: IOBA0001301
Frequently asked questions
Where is Indian Overseas Bank Adarsh Nagar branch located?
Indian Overseas Bank's Adarsh Nagar branch is located at 5 9 305A,PAIGA PLAZA BLDG,BASHEER BAGH,HYD, Hyderabad, Andhra Pradesh.
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 Adarsh Nagar branch but serve different purposes.
How do I add Indian Overseas Bank Adarsh Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001301, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0001301 the same for all accounts at Adarsh Nagar branch?
Yes. The IFSC IOBA0001301 is shared by every account held at Indian Overseas Bank's Adarsh Nagar branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Adarsh Nagar branch?
The IFSC code of Indian Overseas Bank, Adarsh Nagar branch is IOBA0001301. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Overseas Bank Adarsh Nagar branch?
You can reach the branch at 23421559 during regular banking hours.
Summary
The IFSC code IOBA0001301 belongs to Indian Overseas Bank's ADARSH NAGAR branch, located at 5 9 305A,PAIGA PLAZA BLDG,BASHEER BAGH,HYD in HYDERABAD, ANDHRA 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.
