This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, UJJAIN ENGINEERING COLLEGE branch in UJJAIN. The 11-digit IFSC IOBA0002172 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 UJJAIN ENGINEERING COLLEGE 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, IOBA0002172 is the IFSC of Indian Overseas Bank's UJJAIN ENGINEERING COLLEGE branch. The format is fixed: IOBA = bank code, 0 = reserved, 002172 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ujjain Engineering College branch — IFSC IOBA0002172 — extends the bank's services to customers in and around Ujjain, Madhya Pradesh.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ujjain Engineering College |
| IFSC Code | IOBA0002172 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UJJAIN ENGG.COLLEGE CAMPUS,SANWER ROAD,UJJAIN,PIN 456010 |
| City | Ujjain |
| District | Ujjain |
| State | Madhya Pradesh |
| Phone | 2511395 |
About this branch
The branch is located at UJJAIN ENGG.COLLEGE CAMPUS,SANWER ROAD,UJJAIN,PIN 456010. It serves the Ujjain 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 IOBA0002172 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 UJJAIN ENGINEERING COLLEGE of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002172 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 IOBA0002172 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 Ujjain Engineering College branch is mapped to IFSC IOBA0002172 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 IOBA0002172.
Products and services
Customers walking into the Ujjain Engineering College 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 IOBA0002172
How to transfer money using IFSC IOBA0002172
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 IOBA0002172 across all three.
How to use IFSC IOBA0002172 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's UJJAIN ENGINEERING COLLEGE branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0002172.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as UJJAIN ENGINEERING COLLEGE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to UJJAIN ENGINEERING COLLEGE
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's UJJAIN ENGINEERING COLLEGE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002172 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 – UJJAIN ENGINEERING COLLEGE, use IMPS. With IFSC IOBA0002172 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Ujjain Engineering College
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 IOBA0002172:
- 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 UJJAIN ENGINEERING COLLEGE is still linked to IFSC IOBA0002172.
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.
UPI payments and IFSC IOBA0002172
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 – UJJAIN ENGINEERING COLLEGE is still mapped to IFSC IOBA0002172. 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 IOBA0002172 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Ujjain Engineering College 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 IOBA0002172 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 & cheque-truncation details
Cheques drawn on the Ujjain Engineering College branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002172 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0002172
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 – UJJAIN ENGINEERING COLLEGE, 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:
IOBA0002172. - 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.
How to reach the Ujjain Engineering College branch
The branch is located at UJJAIN ENGG.COLLEGE CAMPUS,SANWER ROAD,UJJAIN,PIN 456010, which puts it inside Ujjain, the broader Ujjain district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ujjain Engineering College branch” — the verified location pin for IFSC IOBA0002172 should appear at the top of the results.
- Confirm the branch is open by calling 2511395 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 IOBA0002172 and your account number.
Verifying IFSC IOBA0002172 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 IOBA0002172 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2511395.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ujjain Engineering College 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 IOBA0002172 continue to work without interruption.
Branch address & contact
Indian Overseas BankUjjain Engineering College Branch
UJJAIN ENGG.COLLEGE CAMPUS,SANWER ROAD,UJJAIN,PIN 456010
Ujjain, Madhya Pradesh
Phone: 2511395
IFSC: IOBA0002172
Frequently asked questions
How quickly will an NEFT transfer using IOBA0002172 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ujjain Engineering College reflect within 30 minutes.
How do I add Indian Overseas Bank Ujjain Engineering College as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002172, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0002172 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002172 to send funds instantly.
Where is Indian Overseas Bank Ujjain Engineering College branch located?
Indian Overseas Bank's Ujjain Engineering College branch is located at UJJAIN ENGG.COLLEGE CAMPUS,SANWER ROAD,UJJAIN,PIN 456010, Ujjain, Madhya Pradesh.
Does Indian Overseas Bank Ujjain Engineering College branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2511395 to confirm.
Is IFSC IOBA0002172 the same for all accounts at Ujjain Engineering College branch?
Yes. The IFSC IOBA0002172 is shared by every account held at Indian Overseas Bank's Ujjain Engineering College branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0002172 belongs to Indian Overseas Bank's UJJAIN ENGINEERING COLLEGE branch, located at UJJAIN ENGG.COLLEGE CAMPUS,SANWER ROAD,UJJAIN,PIN 456010 in UJJAIN, MADHYA PRADESH. 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.
