IFSC Code of Indian Overseas Bank, Sadak Dudhali Branch, Uttar Pradesh

If you are searching for the IFSC code of Indian Overseas Bank, SADAK DUDHALI branch in SADAKDUDHALI, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IOBA0001145. 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 SADAK DUDHALI branch, and detailed step-by-step guides for using the IFSC IOBA0001145 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.

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, IOBA0001145 is the IFSC of Indian Overseas Bank's SADAK DUDHALI branch. The format is fixed: IOBA = bank code, 0 = reserved, 001145 = branch identifier.

Branch details at a glance

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sadak Dudhali branch in Sadakdudhali, Uttar Pradesh is part of this network and uses the IFSC code IOBA0001145 for all electronic settlement.

About the Sadak Dudhali branch

The Sadak Dudhali branch of Indian Overseas Bank is situated at VILL AND PO SADAK DUDHALI DEHRADUN ROAD,SAHARANPUR SADAK DUDHALI PIN 247001. 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 IOBA0001145 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 SADAK DUDHALI branch came to be assigned the code IOBA0001145.

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 IOBA0001145, money simply cannot be routed to the SADAK DUDHALI branch electronically.

How to transfer money using IFSC IOBA0001145

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 IOBA0001145 across all three.

NEFT to Indian Overseas Bank, SADAK DUDHALI using IFSC IOBA0001145

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 IOBA0001145, and confirm that the system picks up Indian Overseas Bank – SADAK DUDHALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SADAK DUDHALI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's SADAK DUDHALI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001145 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Indian Overseas Bank – SADAK DUDHALI, use IMPS. With IFSC IOBA0001145 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 IOBA0001145 for Indian Overseas Bank – SADAK DUDHALI, 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 Sadak Dudhali 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 SADAK DUDHALI branch, the IFSC IOBA0001145 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 Sadak Dudhali branch is mapped to IFSC IOBA0001145 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 IOBA0001145.

Products and services

Customers walking into the Sadak Dudhali 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 IOBA0001145

MICR & cheque-truncation details

Cheques drawn on the Sadak Dudhali branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001145 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IOBA0001145

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the SADAK DUDHALI 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 IOBA0001145 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 – SADAK DUDHALI:

• The IFSC is exactly IOBA0001145 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 SADAK DUDHALI 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 Sadak Dudhali branch sits at VILL AND PO SADAK DUDHALI DEHRADUN ROAD,SAHARANPUR SADAK DUDHALI PIN 247001. If you are travelling from outside Sadakdudhali, search for the branch on a maps application using the bank name and locality, or call 2661180 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 IOBA0001145 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0001145 for Indian Overseas Bank – SADAK DUDHALI, 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.

Working hours

Branch counters at Sadak Dudhali 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 IOBA0001145 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0001145 is the IFSC code of Indian Overseas Bank, SADAK DUDHALI branch, in SADAKDUDHALI, 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.