Use this page as a one-stop reference for everything related to Indian Overseas Bank's NADIAD branch in NADIAD, GUJARAT. The branch's IFSC code IOBA0000926 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.
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 NADIAD branch, the IFSC IOBA0000926 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 000926 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Nadiad branch in Nadiad. 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, IOBA0000926.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Nadiad |
| IFSC Code | IOBA0000926 |
| MICR Code | Refer to cheque leaf |
| Branch Address | STATION ROAD, OPP SARDAR PATEL STATUE, NADIAD, PIN - 387001 |
| City | Nadiad |
| District | Kheda |
| State | Gujarat |
| STD Code | 268 |
| Phone | 2562661 |
Nadiad branch overview
Located at STATION ROAD, OPP SARDAR PATEL STATUE, NADIAD, PIN - 387001, the Nadiad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0000926 is required for all interbank electronic transfers routed through this branch.
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 NADIAD branch came to be assigned the code IOBA0000926.
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 IOBA0000926, money simply cannot be routed to the NADIAD branch electronically.
Products and account variants supported
Every account opened at the Nadiad branch is mapped to IFSC IOBA0000926 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 IOBA0000926.
Products and services
Customers walking into the Nadiad 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 IOBA0000926
How to transfer money using IFSC IOBA0000926
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 IOBA0000926 across all three.
NEFT to Indian Overseas Bank, NADIAD using IFSC IOBA0000926
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 IOBA0000926, and confirm that the system picks up Indian Overseas Bank – NADIAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0000926
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 – NADIAD, ensure your bank's portal accepts IFSC IOBA0000926 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank NADIAD (IFSC IOBA0000926)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000926 in your mobile or internet banking app, and the money is credited to the NADIAD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Nadiad
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 IOBA0000926:
- 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 NADIAD is still linked to IFSC IOBA0000926.
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.
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 NADIAD branch, the IFSC IOBA0000926 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.
Online banking and IFSC IOBA0000926
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the NADIAD 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 IOBA0000926 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 IOBA0000926 and the account number together uniquely identify the Nadiad 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 IOBA0000926
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 – NADIAD, 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:
IOBA0000926. - 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.
How to reach the Nadiad branch
The branch is located at STATION ROAD, OPP SARDAR PATEL STATUE, NADIAD, PIN - 387001, which puts it inside Nadiad, the broader Kheda district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Nadiad branch” — the verified location pin for IFSC IOBA0000926 should appear at the top of the results.
- Confirm the branch is open by calling 268-2562661 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IOBA0000926 and your account number.
Verifying IFSC IOBA0000926 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 IOBA0000926 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 268-2562661.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Nadiad 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 IOBA0000926 continue to work without interruption.
Branch address & contact
Indian Overseas BankNadiad Branch
STATION ROAD, OPP SARDAR PATEL STATUE, NADIAD, PIN - 387001
Nadiad, Gujarat
Phone: 268-2562661
IFSC: IOBA0000926
Frequently asked questions
Is IFSC IOBA0000926 valid for NEFT and RTGS?
Yes. IFSC IOBA0000926 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Nadiad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000926, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Nadiad branch?
The IFSC code of Indian Overseas Bank, Nadiad branch is IOBA0000926. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0000926 the same for all accounts at Nadiad branch?
Yes. The IFSC IOBA0000926 is shared by every account held at Indian Overseas Bank's Nadiad branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0000926 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000926 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 Nadiad branch but serve different purposes.
What is the phone number of Indian Overseas Bank Nadiad branch?
You can reach the branch at 268-2562661 during regular banking hours.
Where is Indian Overseas Bank Nadiad branch located?
Indian Overseas Bank's Nadiad branch is located at STATION ROAD, OPP SARDAR PATEL STATUE, NADIAD, PIN - 387001, Nadiad, Gujarat.
Summary
The IFSC code IOBA0000926 belongs to Indian Overseas Bank's NADIAD branch, located at STATION ROAD, OPP SARDAR PATEL STATUE, NADIAD, PIN - 387001 in NADIAD, 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.
