IFSC Code of Indian Overseas Bank, Mira Bhayandar Branch, Maharashtra

If you are searching for the IFSC code of Indian Overseas Bank, MIRA BHAYANDAR branch in MIRABHAYANDAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is IOBA0001973. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the MIRA BHAYANDAR branch, and detailed step-by-step guides for using the IFSC IOBA0001973 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – MIRA BHAYANDAR is IOBA0001973. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001973 map to this branch in MIRABHAYANDAR, MAHARASHTRA.

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the Mira Bhayandar branch in Mirabhayandar. 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, IOBA0001973.

About the Mira Bhayandar branch

The Mira Bhayandar branch of Indian Overseas Bank is situated at SHOP NO A BY G 1,4,5 AND 6 SAI MAHIMA APTS UTTAN ROAD BHAYANDAR WEST PIN 401101. 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 IOBA0001973 is used.

Branch details at a glance

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 MIRA BHAYANDAR branch came to be assigned the code IOBA0001973.

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 IOBA0001973, money simply cannot be routed to the MIRA BHAYANDAR branch electronically.

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 IOBA0001973 and the account number together uniquely identify the Mira Bhayandar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IOBA0001973

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 IOBA0001973 across all three.

NEFT to Indian Overseas Bank, MIRA BHAYANDAR using IFSC IOBA0001973

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 IOBA0001973, and confirm that the system picks up Indian Overseas Bank – MIRA BHAYANDAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MIRA BHAYANDAR

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's MIRA BHAYANDAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001973 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank MIRA BHAYANDAR (IFSC IOBA0001973)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001973 in your mobile or internet banking app, and the money is credited to the MIRA BHAYANDAR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0001973 for Indian Overseas Bank – MIRA BHAYANDAR, 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.

For most retail customers crediting the Mira Bhayandar 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 MIRA BHAYANDAR branch, the IFSC IOBA0001973 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.

Account types you can open at the Mira Bhayandar branch

Once you have an account at Indian Overseas Bank – MIRA BHAYANDAR, the IFSC IOBA0001973 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 Mira Bhayandar 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 IOBA0001973

Online banking and IFSC IOBA0001973

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the MIRA BHAYANDAR 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 IOBA0001973 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.

Reaching the branch

The Mira Bhayandar branch sits at SHOP NO A BY G 1,4,5 AND 6 SAI MAHIMA APTS UTTAN ROAD BHAYANDAR WEST PIN 401101. If you are travelling from outside Mirabhayandar, search for the branch on a maps application using the bank name and locality, or call 28151949 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 IOBA0001973 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 – MIRA BHAYANDAR:

• The IFSC is exactly IOBA0001973 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 MIRA BHAYANDAR 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 Mira Bhayandar 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 IOBA0001973 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001973 for Indian Overseas Bank – MIRA BHAYANDAR, 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

Frequently asked questions

Summary

The IFSC code IOBA0001973 belongs to Indian Overseas Bank's MIRA BHAYANDAR branch, located at SHOP NO A BY G 1,4,5 AND 6 SAI MAHIMA APTS UTTAN ROAD BHAYANDAR WEST PIN 401101 in MIRABHAYANDAR, MAHARASHTRA. 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.