Below are the complete branch details for Indian Overseas Bank, VAISHALI NAGAR branch, located in JAIPUR, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0001539. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0001539 for Indian Overseas Bank – VAISHALI NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – VAISHALI NAGAR is IOBA0001539. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001539 map to this branch in JAIPUR, ANDHRA PRADESH.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vaishali Nagar branch in Jaipur, Andhra Pradesh is part of this network and uses the IFSC code IOBA0001539 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Vaishali Nagar |
| IFSC Code | IOBA0001539 |
| MICR Code | Refer to cheque leaf |
| Branch Address | F BLOCK,PLOT NO S R 3 A,NEAR COMM CENTRE,VAISHALI NAGAR,JAIPUR |
| City | Jaipur |
| District | Adilabad |
| State | Andhra Pradesh |
| Phone | 28253231 |
About this branch
The branch is located at F BLOCK,PLOT NO S R 3 A,NEAR COMM CENTRE,VAISHALI NAGAR,JAIPUR. It serves the Jaipur 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 IOBA0001539 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 VAISHALI NAGAR branch came to be assigned the code IOBA0001539.
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 IOBA0001539, money simply cannot be routed to the VAISHALI NAGAR branch electronically.
Account types you can open at the Vaishali Nagar branch
Once you have an account at Indian Overseas Bank – VAISHALI NAGAR, the IFSC IOBA0001539 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 Vaishali 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 IOBA0001539
How to transfer money using IFSC IOBA0001539
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 IOBA0001539 across all three.
NEFT to Indian Overseas Bank, VAISHALI NAGAR using IFSC IOBA0001539
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 IOBA0001539, and confirm that the system picks up Indian Overseas Bank – VAISHALI NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0001539
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 – VAISHALI NAGAR, ensure your bank's portal accepts IFSC IOBA0001539 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank VAISHALI NAGAR (IFSC IOBA0001539)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001539 in your mobile or internet banking app, and the money is credited to the VAISHALI NAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0001539 for Indian Overseas Bank – VAISHALI 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 – IOBA0001539 | Yes – IOBA0001539 | Yes – IOBA0001539 |
For most retail customers crediting the Vaishali 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.
UPI payments and IFSC IOBA0001539
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 – VAISHALI NAGAR is still mapped to IFSC IOBA0001539. 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 IOBA0001539 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0001539
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the VAISHALI 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 IOBA0001539 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 Vaishali Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001539 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 – VAISHALI NAGAR:
- The IFSC is exactly IOBA0001539 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 VAISHALI NAGAR 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.
Reaching the branch
The Vaishali Nagar branch sits at F BLOCK,PLOT NO S R 3 A,NEAR COMM CENTRE,VAISHALI NAGAR,JAIPUR. If you are travelling from outside Jaipur, search for the branch on a maps application using the bank name and locality, or call 28253231 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 IOBA0001539 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001539 for Indian Overseas Bank – VAISHALI 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 Vaishali 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 IOBA0001539 continue to work without interruption.
Branch address & contact
Indian Overseas BankVaishali Nagar Branch
F BLOCK,PLOT NO S R 3 A,NEAR COMM CENTRE,VAISHALI NAGAR,JAIPUR
Jaipur, Andhra Pradesh
Phone: 28253231
IFSC: IOBA0001539
Frequently asked questions
How quickly will an NEFT transfer using IOBA0001539 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Vaishali Nagar reflect within 30 minutes.
Where is Indian Overseas Bank Vaishali Nagar branch located?
Indian Overseas Bank's Vaishali Nagar branch is located at F BLOCK,PLOT NO S R 3 A,NEAR COMM CENTRE,VAISHALI NAGAR,JAIPUR, Jaipur, Andhra Pradesh.
How do I add Indian Overseas Bank Vaishali Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001539, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Vaishali Nagar branch but serve different purposes.
Does Indian Overseas Bank Vaishali Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 28253231 to confirm.
What is the phone number of Indian Overseas Bank Vaishali Nagar branch?
You can reach the branch at 28253231 during regular banking hours.
Summary
The IFSC code IOBA0001539 belongs to Indian Overseas Bank's VAISHALI NAGAR branch, located at F BLOCK,PLOT NO S R 3 A,NEAR COMM CENTRE,VAISHALI NAGAR,JAIPUR in JAIPUR, 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.
