If you are searching for the IFSC code of Indian Overseas Bank, GOTA branch in SANGRUR, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is IOBA0002188. 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 GOTA branch, and detailed step-by-step guides for using the IFSC IOBA0002188 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, IOBA0002188 is the IFSC of Indian Overseas Bank's GOTA branch. The format is fixed: IOBA = bank code, 0 = reserved, 002188 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Gota branch — IFSC IOBA0002188 — extends the bank's services to customers in and around Sangrur, Gujarat.
About the Gota branch
The Gota branch of Indian Overseas Bank is situated at UNIQUE METROPOLIS OPP.SUN DIVINE FLATS,LAMDA RESEARCH CENTRE ROAD GOTA PIN 382481 DIST SANGRUR. 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 IOBA0002188 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Gota |
| IFSC Code | IOBA0002188 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UNIQUE METROPOLIS OPP.SUN DIVINE FLATS,LAMDA RESEARCH CENTRE ROAD GOTA PIN 382481 DIST SANGRUR |
| City | Sangrur |
| District | Ahmedabad |
| State | Gujarat |
| STD Code | 79 |
| Phone | 29099825 |
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 GOTA branch came to be assigned the code IOBA0002188.
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 IOBA0002188, money simply cannot be routed to the GOTA branch electronically.
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 IOBA0002188 and the account number together uniquely identify the Gota branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0002188
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 IOBA0002188 across all three.
NEFT to Indian Overseas Bank, GOTA using IFSC IOBA0002188
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 IOBA0002188, and confirm that the system picks up Indian Overseas Bank – GOTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002188
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 – GOTA, ensure your bank's portal accepts IFSC IOBA0002188 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank GOTA (IFSC IOBA0002188)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002188 in your mobile or internet banking app, and the money is credited to the GOTA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0002188 for Indian Overseas Bank – GOTA, 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 – IOBA0002188 | Yes – IOBA0002188 | Yes – IOBA0002188 |
For most retail customers crediting the Gota 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 GOTA branch, the IFSC IOBA0002188 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.
Account types you can open at the Gota branch
Once you have an account at Indian Overseas Bank – GOTA, the IFSC IOBA0002188 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Gota 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 IOBA0002188
Online banking and IFSC IOBA0002188
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the GOTA 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 IOBA0002188 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.
Reaching the branch
The Gota branch sits at UNIQUE METROPOLIS OPP.SUN DIVINE FLATS,LAMDA RESEARCH CENTRE ROAD GOTA PIN 382481 DIST SANGRUR. If you are travelling from outside Sangrur, search for the branch on a maps application using the bank name and locality, or call 79-29099825 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 IOBA0002188 and your account number.
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 – GOTA:
- The IFSC is exactly IOBA0002188 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 GOTA 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.
Working hours
Branch counters at Gota 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 IOBA0002188 continue to work without interruption.
Verifying IFSC IOBA0002188 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 IOBA0002188 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 79-29099825.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankGota Branch
UNIQUE METROPOLIS OPP.SUN DIVINE FLATS,LAMDA RESEARCH CENTRE ROAD GOTA PIN 382481 DIST SANGRUR
Sangrur, Gujarat
Phone: 79-29099825
IFSC: IOBA0002188
Frequently asked questions
Can I use IFSC IOBA0002188 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002188 to send funds instantly.
What is the phone number of Indian Overseas Bank Gota branch?
You can reach the branch at 79-29099825 during regular banking hours.
Does Indian Overseas Bank Gota branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 79-29099825 to confirm.
How quickly will an NEFT transfer using IOBA0002188 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Gota reflect within 30 minutes.
Where is Indian Overseas Bank Gota branch located?
Indian Overseas Bank's Gota branch is located at UNIQUE METROPOLIS OPP.SUN DIVINE FLATS,LAMDA RESEARCH CENTRE ROAD GOTA PIN 382481 DIST SANGRUR, Sangrur, Gujarat.
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 Gota branch but serve different purposes.
Is IFSC IOBA0002188 the same for all accounts at Gota branch?
Yes. The IFSC IOBA0002188 is shared by every account held at Indian Overseas Bank's Gota branch. Only the account number changes from customer to customer.
Is IFSC IOBA0002188 valid for NEFT and RTGS?
Yes. IFSC IOBA0002188 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IOBA0002188 is the IFSC code of Indian Overseas Bank, GOTA branch, in SANGRUR, GUJARAT. 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.
