Use this page as a one-stop reference for everything related to Indian Overseas Bank's MUZAFFAR NAGAR branch in MUZAFFARNAGAR, UTTAR PRADESH. The branch's IFSC code IOBA0000580 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, IOBA0000580 is the IFSC of Indian Overseas Bank's MUZAFFAR NAGAR branch. The format is fixed: IOBA = bank code, 0 = reserved, 000580 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Muzaffar Nagar branch — IFSC IOBA0000580 — extends the bank's services to customers in and around Muzaffarnagar, Uttar Pradesh.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Muzaffar Nagar |
| IFSC Code | IOBA0000580 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 246,ARYA PURI TOWN HALL RD,MUZAFFARNAGAR |
| City | Muzaffarnagar |
| District | Muzaffar Nagar |
| State | Uttar Pradesh |
| STD Code | 131 |
| Phone | 2407347 |
About this branch
The branch is located at 246,ARYA PURI TOWN HALL RD,MUZAFFARNAGAR. It serves the Muzaffarnagar 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 IOBA0000580 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 MUZAFFAR NAGAR branch came to be assigned the code IOBA0000580.
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 IOBA0000580, money simply cannot be routed to the MUZAFFAR NAGAR branch electronically.
Products and account variants supported
Every account opened at the Muzaffar Nagar branch is mapped to IFSC IOBA0000580 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 IOBA0000580.
Products and services
Customers walking into the Muzaffar 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 IOBA0000580
How to transfer money using IFSC IOBA0000580
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 IOBA0000580 across all three.
How to use IFSC IOBA0000580 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's MUZAFFAR 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 IOBA0000580.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as MUZAFFAR NAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0000580
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 – MUZAFFAR NAGAR, ensure your bank's portal accepts IFSC IOBA0000580 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – MUZAFFAR NAGAR, use IMPS. With IFSC IOBA0000580 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 IOBA0000580 for Indian Overseas Bank – MUZAFFAR 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 – IOBA0000580 | Yes – IOBA0000580 | Yes – IOBA0000580 |
For most retail customers crediting the Muzaffar 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 IOBA0000580
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 – MUZAFFAR NAGAR is still mapped to IFSC IOBA0000580. 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 IOBA0000580 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0000580
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the MUZAFFAR 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 IOBA0000580 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 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 IOBA0000580 and the account number together uniquely identify the Muzaffar Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0000580
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 – MUZAFFAR 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:
IOBA0000580. - 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 Muzaffar Nagar branch sits at 246,ARYA PURI TOWN HALL RD,MUZAFFARNAGAR. If you are travelling from outside Muzaffarnagar, search for the branch on a maps application using the bank name and locality, or call 131-2407347 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 IOBA0000580 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000580 for Indian Overseas Bank – MUZAFFAR 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 Muzaffar Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0000580, however, work 24x7.
Branch address & contact
Indian Overseas BankMuzaffar Nagar Branch
246,ARYA PURI TOWN HALL RD,MUZAFFARNAGAR
Muzaffarnagar, Uttar Pradesh
Phone: 131-2407347
IFSC: IOBA0000580
Frequently asked questions
Where is Indian Overseas Bank Muzaffar Nagar branch located?
Indian Overseas Bank's Muzaffar Nagar branch is located at 246,ARYA PURI TOWN HALL RD,MUZAFFARNAGAR, Muzaffarnagar, Uttar 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 Muzaffar Nagar branch but serve different purposes.
Can I use IFSC IOBA0000580 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000580 to send funds instantly.
Is IFSC IOBA0000580 the same for all accounts at Muzaffar Nagar branch?
Yes. The IFSC IOBA0000580 is shared by every account held at Indian Overseas Bank's Muzaffar Nagar branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Muzaffar Nagar branch?
You can reach the branch at 131-2407347 during regular banking hours.
What is the IFSC code of Indian Overseas Bank Muzaffar Nagar branch?
The IFSC code of Indian Overseas Bank, Muzaffar Nagar branch is IOBA0000580. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000580 valid for NEFT and RTGS?
Yes. IFSC IOBA0000580 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Muzaffar Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000580, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IOBA0000580 is the IFSC code of Indian Overseas Bank, MUZAFFAR NAGAR branch, in MUZAFFARNAGAR, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
