Use this page as a one-stop reference for everything related to Indian Overseas Bank's MEHSANA branch in MAHESANA, GUJARAT. The branch's IFSC code IOBA0003439 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, IOBA0003439 is the IFSC of Indian Overseas Bank's MEHSANA branch. The format is fixed: IOBA = bank code, 0 = reserved, 003439 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mehsana branch — IFSC IOBA0003439 — extends the bank's services to customers in and around Mahesana, Gujarat.
About the Mehsana branch
The Mehsana branch of Indian Overseas Bank is situated at 28,YOGESHWAR RESTAURANT,GROUND FLOOR,RADHANPUR ROAD,NR RADHANPUR CHOKDI,MEHSANA 384402. 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 IOBA0003439 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Mehsana |
| IFSC Code | IOBA0003439 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 28,YOGESHWAR RESTAURANT,GROUND FLOOR,RADHANPUR ROAD,NR RADHANPUR CHOKDI,MEHSANA 384402 |
| City | Mahesana |
| District | Mahesana |
| 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 MEHSANA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003439 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 IOBA0003439 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IOBA0003439 and the account number together uniquely identify the Mehsana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0003439
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 IOBA0003439 across all three.
NEFT to Indian Overseas Bank, MEHSANA using IFSC IOBA0003439
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 IOBA0003439, and confirm that the system picks up Indian Overseas Bank – MEHSANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0003439
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 – MEHSANA, ensure your bank's portal accepts IFSC IOBA0003439 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – MEHSANA, use IMPS. With IFSC IOBA0003439 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 IOBA0003439 for Indian Overseas Bank – MEHSANA, 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 – IOBA0003439 | Yes – IOBA0003439 | Yes – IOBA0003439 |
For most retail customers crediting the Mehsana 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 MEHSANA branch, the IFSC IOBA0003439 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 Mehsana branch is mapped to IFSC IOBA0003439 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 IOBA0003439.
Banking services available
The Mehsana 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 IOBA0003439
Digital banking channels
Most day-to-day work that customers used to do at the Mehsana 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 IOBA0003439 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.
Reaching the branch
The Mehsana branch sits at 28,YOGESHWAR RESTAURANT,GROUND FLOOR,RADHANPUR ROAD,NR RADHANPUR CHOKDI,MEHSANA 384402. If you are travelling from outside Mahesana, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0003439 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 – MEHSANA:
- The IFSC is exactly IOBA0003439 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 MEHSANA 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 Mehsana 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 IOBA0003439 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0003439 for Indian Overseas Bank – MEHSANA, 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 BankMehsana Branch
28,YOGESHWAR RESTAURANT,GROUND FLOOR,RADHANPUR ROAD,NR RADHANPUR CHOKDI,MEHSANA 384402
Mahesana, Gujarat
Phone: 44-28584896
IFSC: IOBA0003439
Frequently asked questions
Can I use IFSC IOBA0003439 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0003439 to send funds instantly.
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 Mehsana branch but serve different purposes.
How do I add Indian Overseas Bank Mehsana as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0003439, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0003439 valid for NEFT and RTGS?
Yes. IFSC IOBA0003439 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Mehsana branch located?
Indian Overseas Bank's Mehsana branch is located at 28,YOGESHWAR RESTAURANT,GROUND FLOOR,RADHANPUR ROAD,NR RADHANPUR CHOKDI,MEHSANA 384402, Mahesana, Gujarat.
What is the phone number of Indian Overseas Bank Mehsana branch?
You can reach the branch at 44-28584896 during regular banking hours.
Is IFSC IOBA0003439 the same for all accounts at Mehsana branch?
Yes. The IFSC IOBA0003439 is shared by every account held at Indian Overseas Bank's Mehsana branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0003439 belongs to Indian Overseas Bank's MEHSANA branch, located at 28,YOGESHWAR RESTAURANT,GROUND FLOOR,RADHANPUR ROAD,NR RADHANPUR… in MAHESANA, 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.
