This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, UDAIPUR branch in UDAIPUR. The 11-digit IFSC IOBA0000645 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the UDAIPUR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, IOBA0000645 is the IFSC of Indian Overseas Bank's UDAIPUR branch. The format is fixed: IOBA = bank code, 0 = reserved, 000645 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Udaipur branch — IFSC IOBA0000645 — extends the bank's services to customers in and around Udaipur, Rajasthan.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Udaipur |
| IFSC Code | IOBA0000645 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 10 PANCHASHEEL MARG OPP TOWN HALL 1 FLOOR UDAIPUR PIN 313001 |
| City | Udaipur |
| District | Udaipur |
| State | Rajasthan |
| STD Code | 294 |
| Phone | 2560092 |
About this branch
The branch is located at 10 PANCHASHEEL MARG OPP TOWN HALL 1 FLOOR UDAIPUR PIN 313001. It serves the Udaipur 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 IOBA0000645 is used to identify this branch on the RBI payments network.
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 UDAIPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0000645 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 IOBA0000645 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Udaipur branch is mapped to IFSC IOBA0000645 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 IOBA0000645.
Banking services available
The Udaipur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 294-2560092.
- 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 IOBA0000645
How to transfer money using IFSC IOBA0000645
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 IOBA0000645 across all three.
NEFT to Indian Overseas Bank, UDAIPUR using IFSC IOBA0000645
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 IOBA0000645, and confirm that the system picks up Indian Overseas Bank – UDAIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0000645
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 – UDAIPUR, ensure your bank's portal accepts IFSC IOBA0000645 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank UDAIPUR (IFSC IOBA0000645)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000645 in your mobile or internet banking app, and the money is credited to the UDAIPUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Udaipur
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 IOBA0000645:
- 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 UDAIPUR is still linked to IFSC IOBA0000645.
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 UDAIPUR branch, the IFSC IOBA0000645 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.
Digital banking channels
Most day-to-day work that customers used to do at the Udaipur 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 IOBA0000645 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.
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 IOBA0000645 and the account number together uniquely identify the Udaipur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – UDAIPUR:
- The IFSC is exactly IOBA0000645 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 UDAIPUR 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 Udaipur branch sits at 10 PANCHASHEEL MARG OPP TOWN HALL 1 FLOOR UDAIPUR PIN 313001. If you are travelling from outside Udaipur, search for the branch on a maps application using the bank name and locality, or call 294-2560092 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 IOBA0000645 and your account number.
Verifying IFSC IOBA0000645 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 IOBA0000645 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 294-2560092.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Udaipur 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 IOBA0000645 continue to work without interruption.
Branch address & contact
Indian Overseas BankUdaipur Branch
10 PANCHASHEEL MARG OPP TOWN HALL 1 FLOOR UDAIPUR PIN 313001
Udaipur, Rajasthan
Phone: 294-2560092
IFSC: IOBA0000645
Frequently asked questions
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 Udaipur branch but serve different purposes.
How do I add Indian Overseas Bank Udaipur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000645, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Udaipur branch located?
Indian Overseas Bank's Udaipur branch is located at 10 PANCHASHEEL MARG OPP TOWN HALL 1 FLOOR UDAIPUR PIN 313001, Udaipur, Rajasthan.
Is IFSC IOBA0000645 the same for all accounts at Udaipur branch?
Yes. The IFSC IOBA0000645 is shared by every account held at Indian Overseas Bank's Udaipur branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Udaipur branch?
The IFSC code of Indian Overseas Bank, Udaipur branch is IOBA0000645. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Indian Overseas Bank Udaipur branch?
You can reach the branch at 294-2560092 during regular banking hours.
Can I use IFSC IOBA0000645 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000645 to send funds instantly.
Does Indian Overseas Bank Udaipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 294-2560092 to confirm.
Summary
The IFSC code IOBA0000645 belongs to Indian Overseas Bank's UDAIPUR branch, located at 10 PANCHASHEEL MARG OPP TOWN HALL 1 FLOOR UDAIPUR PIN 313001 in UDAIPUR, RAJASTHAN. 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.
