This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, MODASA branch in MODASA. The 11-digit IFSC IOBA0004133 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the MODASA location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's MODASA branch, the IFSC IOBA0004133 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 004133 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Modasa branch in Modasa, Gujarat is part of this network and uses the IFSC code IOBA0004133 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Modasa |
| IFSC Code | IOBA0004133 |
| MICR Code | Refer to cheque leaf |
| Branch Address | IOB-MODASA , SHOP NO. 7,8,9,10,11 , MANTRA ARCADE, BELOW PALATE RESTAURANT, MODASA MEGHRAJ ROAD. MODASA - 383315 |
| City | Modasa |
| District | Aravalli |
| State | Gujarat |
| STD Code | 0 |
| Phone | 0 |
About the Modasa branch
The Modasa branch of Indian Overseas Bank is situated at IOB-MODASA , SHOP NO. 7,8,9,10,11 , MANTRA ARCADE, BELOW PALATE RESTAURANT, MODASA MEGHRAJ ROAD. MODASA - 383315. 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 IOBA0004133 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 MODASA branch came to be assigned the code IOBA0004133.
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 IOBA0004133, money simply cannot be routed to the MODASA branch electronically.
Products and account variants supported
Every account opened at the Modasa branch is mapped to IFSC IOBA0004133 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 IOBA0004133.
Products and services
Customers walking into the Modasa 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 IOBA0004133
How to transfer money using IFSC IOBA0004133
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 IOBA0004133 across all three.
How to use IFSC IOBA0004133 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's MODASA 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 IOBA0004133.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as MODASA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0004133
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 – MODASA, ensure your bank's portal accepts IFSC IOBA0004133 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – MODASA, use IMPS. With IFSC IOBA0004133 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Modasa
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0004133:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at MODASA is still linked to IFSC IOBA0004133.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC IOBA0004133
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 – MODASA is still mapped to IFSC IOBA0004133. 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 IOBA0004133 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0004133
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the MODASA 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 IOBA0004133 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 Modasa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0004133 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0004133
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 – MODASA, 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:
IOBA0004133. - 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.
Reaching the branch
The Modasa branch sits at IOB-MODASA , SHOP NO. 7,8,9,10,11 , MANTRA ARCADE, BELOW PALATE RESTAURANT, MODASA MEGHRAJ ROAD. MODASA - 383315. If you are travelling from outside Modasa, search for the branch on a maps application using the bank name and locality, or call 0 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 IOBA0004133 and your account number.
Verifying IFSC IOBA0004133 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IOBA0004133 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Modasa 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 IOBA0004133 continue to work without interruption.
Branch address & contact
Indian Overseas BankModasa Branch
IOB-MODASA , SHOP NO. 7,8,9,10,11 , MANTRA ARCADE, BELOW PALATE RESTAURANT, MODASA MEGHRAJ ROAD. MODASA - 383315
Modasa, Gujarat
Phone: 0
IFSC: IOBA0004133
Frequently asked questions
Is IFSC IOBA0004133 the same for all accounts at Modasa branch?
Yes. The IFSC IOBA0004133 is shared by every account held at Indian Overseas Bank's Modasa branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank Modasa as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0004133, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Modasa branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
How quickly will an NEFT transfer using IOBA0004133 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Modasa reflect within 30 minutes.
Is IFSC IOBA0004133 valid for NEFT and RTGS?
Yes. IFSC IOBA0004133 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IOBA0004133 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0004133 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Modasa branch?
The IFSC code of Indian Overseas Bank, Modasa branch is IOBA0004133. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0004133 belongs to Indian Overseas Bank's MODASA branch, located at IOB-MODASA , SHOP NO. 7,8,9,10,11 , MANTRA ARCADE, BELOW PALATE RESTAURANT,… in MODASA, 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.
