If you are searching for the IFSC code of Indian Overseas Bank, ADAJAN branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is IOBA0001557. 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 ADAJAN branch, and detailed step-by-step guides for using the IFSC IOBA0001557 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.
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 ADAJAN branch, the IFSC IOBA0001557 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 001557 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Adajan branch in Surat, Gujarat is part of this network and uses the IFSC code IOBA0001557 for all electronic settlement.
About this branch
The branch is located at C WING,PRIME ARCADE,MEZANINE FLOOR,ANAND MAHAL RD,ADAJAN SURAT. It serves the Surat 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 IOBA0001557 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Adajan |
| IFSC Code | IOBA0001557 |
| MICR Code | Refer to cheque leaf |
| Branch Address | C WING,PRIME ARCADE,MEZANINE FLOOR,ANAND MAHAL RD,ADAJAN SURAT |
| City | Surat |
| District | Surat |
| State | Gujarat |
| Phone | 2321287 |
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 ADAJAN branch came to be assigned the code IOBA0001557.
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 IOBA0001557, money simply cannot be routed to the ADAJAN 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 IOBA0001557 and the account number together uniquely identify the Adajan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0001557
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 IOBA0001557 across all three.
NEFT to Indian Overseas Bank, ADAJAN using IFSC IOBA0001557
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 IOBA0001557, and confirm that the system picks up Indian Overseas Bank – ADAJAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0001557
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 – ADAJAN, ensure your bank's portal accepts IFSC IOBA0001557 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank ADAJAN (IFSC IOBA0001557)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0001557 in your mobile or internet banking app, and the money is credited to the ADAJAN branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0001557 for Indian Overseas Bank – ADAJAN, 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 – IOBA0001557 | Yes – IOBA0001557 | Yes – IOBA0001557 |
For most retail customers crediting the Adajan 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 IOBA0001557
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 – ADAJAN is still mapped to IFSC IOBA0001557. 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 IOBA0001557 and the beneficiary's account number to complete the transfer.
Account types you can open at the Adajan branch
Once you have an account at Indian Overseas Bank – ADAJAN, the IFSC IOBA0001557 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.
Banking services available
The Adajan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2321287.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0001557
Digital banking channels
Most day-to-day work that customers used to do at the Adajan branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0001557 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Adajan branch
The branch is located at C WING,PRIME ARCADE,MEZANINE FLOOR,ANAND MAHAL RD,ADAJAN SURAT, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Adajan branch” — the verified location pin for IFSC IOBA0001557 should appear at the top of the results.
- Confirm the branch is open by calling 2321287 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 IOBA0001557 and your account number.
Common mistakes to avoid when using IFSC IOBA0001557
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 – ADAJAN, 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:
IOBA0001557. - 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.
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 Adajan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001557, however, work 24x7.
Verifying IFSC IOBA0001557 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 IOBA0001557 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2321287.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankAdajan Branch
C WING,PRIME ARCADE,MEZANINE FLOOR,ANAND MAHAL RD,ADAJAN SURAT
Surat, Gujarat
Phone: 2321287
IFSC: IOBA0001557
Frequently asked questions
How quickly will an NEFT transfer using IOBA0001557 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Adajan reflect within 30 minutes.
Where is Indian Overseas Bank Adajan branch located?
Indian Overseas Bank's Adajan branch is located at C WING,PRIME ARCADE,MEZANINE FLOOR,ANAND MAHAL RD,ADAJAN SURAT, Surat, Gujarat.
Can I use IFSC IOBA0001557 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001557 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Adajan branch?
The IFSC code of Indian Overseas Bank, Adajan branch is IOBA0001557. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0001557 valid for NEFT and RTGS?
Yes. IFSC IOBA0001557 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Adajan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001557, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Adajan branch?
You can reach the branch at 2321287 during regular banking hours.
Summary
The IFSC code IOBA0001557 belongs to Indian Overseas Bank's ADAJAN branch, located at C WING,PRIME ARCADE,MEZANINE FLOOR,ANAND MAHAL RD,ADAJAN SURAT in SURAT, 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.
