Below are the complete branch details for Indian Overseas Bank, SACHIN branch, located in SACHIN, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0002392. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0002392 for Indian Overseas Bank – SACHIN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – SACHIN is IOBA0002392. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002392 map to this branch in SACHIN, GUJARAT.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Sachin |
| IFSC Code | IOBA0002392 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RADHIKA COMPLEX,SHOP NO 1 AND 2,OPP L D HIGH SCHOOL,STATION ROAD,PIN 394230 |
| City | Sachin |
| District | Surat |
| State | Gujarat |
| Phone | 2390110 |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sachin branch — IFSC IOBA0002392 — extends the bank's services to customers in and around Sachin, Gujarat.
About the Sachin branch
The Sachin branch of Indian Overseas Bank is situated at RADHIKA COMPLEX,SHOP NO 1 AND 2,OPP L D HIGH SCHOOL,STATION ROAD,PIN 394230. 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 IOBA0002392 is used.
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 SACHIN of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002392 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 IOBA0002392 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0002392
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 IOBA0002392 across all three.
NEFT to Indian Overseas Bank, SACHIN using IFSC IOBA0002392
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 IOBA0002392, and confirm that the system picks up Indian Overseas Bank – SACHIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002392
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 – SACHIN, ensure your bank's portal accepts IFSC IOBA0002392 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank SACHIN (IFSC IOBA0002392)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002392 in your mobile or internet banking app, and the money is credited to the SACHIN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002392 for Indian Overseas Bank – SACHIN, 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 – IOBA0002392 | Yes – IOBA0002392 | Yes – IOBA0002392 |
For most retail customers crediting the Sachin 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 SACHIN branch, the IFSC IOBA0002392 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 Sachin branch is mapped to IFSC IOBA0002392 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 IOBA0002392.
Products and services
Customers walking into the Sachin 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 IOBA0002392
MICR & cheque-truncation details
Cheques drawn on the Sachin branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002392 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0002392
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the SACHIN 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 IOBA0002392 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.
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 – SACHIN:
- The IFSC is exactly IOBA0002392 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 SACHIN 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.
Reaching the branch
The Sachin branch sits at RADHIKA COMPLEX,SHOP NO 1 AND 2,OPP L D HIGH SCHOOL,STATION ROAD,PIN 394230. If you are travelling from outside Sachin, search for the branch on a maps application using the bank name and locality, or call 2390110 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 IOBA0002392 and your account number.
Verifying IFSC IOBA0002392 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 IOBA0002392 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2390110.
- Visiting the bank's official branch locator page.
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 Sachin branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002392, however, work 24x7.
Branch address & contact
Indian Overseas BankSachin Branch
RADHIKA COMPLEX,SHOP NO 1 AND 2,OPP L D HIGH SCHOOL,STATION ROAD,PIN 394230
Sachin, Gujarat
Phone: 2390110
IFSC: IOBA0002392
Frequently asked questions
Is IFSC IOBA0002392 valid for NEFT and RTGS?
Yes. IFSC IOBA0002392 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Sachin branch but serve different purposes.
What is the IFSC code of Indian Overseas Bank Sachin branch?
The IFSC code of Indian Overseas Bank, Sachin branch is IOBA0002392. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Overseas Bank Sachin branch located?
Indian Overseas Bank's Sachin branch is located at RADHIKA COMPLEX,SHOP NO 1 AND 2,OPP L D HIGH SCHOOL,STATION ROAD,PIN 394230, Sachin, Gujarat.
How do I add Indian Overseas Bank Sachin as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002392, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0002392 the same for all accounts at Sachin branch?
Yes. The IFSC IOBA0002392 is shared by every account held at Indian Overseas Bank's Sachin branch. Only the account number changes from customer to customer.
Does Indian Overseas Bank Sachin branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2390110 to confirm.
Summary
The IFSC code IOBA0002392 belongs to Indian Overseas Bank's SACHIN branch, located at RADHIKA COMPLEX,SHOP NO 1 AND 2,OPP L D HIGH SCHOOL,STATION ROAD,PIN 394230 in SACHIN, 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.
