This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, REGIONAL OFFICE BARODA branch in VADODARA. The 11-digit IFSC IOBA0002012 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 REGIONAL OFFICE BARODA 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, IOBA0002012 is the IFSC of Indian Overseas Bank's REGIONAL OFFICE BARODA branch. The format is fixed: IOBA = bank code, 0 = reserved, 002012 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Regional Office Baroda branch in Vadodara. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0002012.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Regional Office Baroda |
| IFSC Code | IOBA0002012 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ARIES COMPLEX,BPC ROAD,ALKAPURI,BARODA 390005 |
| City | Vadodara |
| District | Gandhinagar |
| State | Gujarat |
| STD Code | 44 |
| Phone | 28584896 |
About the Regional Office Baroda branch
The Regional Office Baroda branch of Indian Overseas Bank is situated at ARIES COMPLEX,BPC ROAD,ALKAPURI,BARODA 390005. 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 IOBA0002012 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 REGIONAL OFFICE BARODA branch came to be assigned the code IOBA0002012.
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 IOBA0002012, money simply cannot be routed to the REGIONAL OFFICE BARODA branch electronically.
Products and account variants supported
Every account opened at the Regional Office Baroda branch is mapped to IFSC IOBA0002012 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 IOBA0002012.
Products and services
Customers walking into the Regional Office Baroda 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 IOBA0002012
How to transfer money using IFSC IOBA0002012
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 IOBA0002012 across all three.
NEFT to Indian Overseas Bank, REGIONAL OFFICE BARODA using IFSC IOBA0002012
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 IOBA0002012, and confirm that the system picks up Indian Overseas Bank – REGIONAL OFFICE BARODA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0002012
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 – REGIONAL OFFICE BARODA, ensure your bank's portal accepts IFSC IOBA0002012 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank REGIONAL OFFICE BARODA (IFSC IOBA0002012)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0002012 in your mobile or internet banking app, and the money is credited to the REGIONAL OFFICE BARODA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Regional Office Baroda
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 IOBA0002012:
- 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 REGIONAL OFFICE BARODA is still linked to IFSC IOBA0002012.
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 REGIONAL OFFICE BARODA branch, the IFSC IOBA0002012 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 Regional Office Baroda 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 IOBA0002012 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 Regional Office Baroda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002012 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – REGIONAL OFFICE BARODA:
- The IFSC is exactly IOBA0002012 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 REGIONAL OFFICE BARODA 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.
How to reach the Regional Office Baroda branch
The branch is located at ARIES COMPLEX,BPC ROAD,ALKAPURI,BARODA 390005, which puts it inside Vadodara, the broader Gandhinagar district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Regional Office Baroda branch” — the verified location pin for IFSC IOBA0002012 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0002012 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0002012 for Indian Overseas Bank – REGIONAL OFFICE BARODA, 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 Regional Office Baroda 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 IOBA0002012 continue to work without interruption.
Branch address & contact
Indian Overseas BankRegional Office Baroda Branch
ARIES COMPLEX,BPC ROAD,ALKAPURI,BARODA 390005
Vadodara, Gujarat
Phone: 44-28584896
IFSC: IOBA0002012
Frequently asked questions
How quickly will an NEFT transfer using IOBA0002012 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Regional Office Baroda reflect within 30 minutes.
Can I use IFSC IOBA0002012 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002012 to send funds instantly.
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 Regional Office Baroda branch but serve different purposes.
Does Indian Overseas Bank Regional Office Baroda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
What is the phone number of Indian Overseas Bank Regional Office Baroda branch?
You can reach the branch at 44-28584896 during regular banking hours.
Where is Indian Overseas Bank Regional Office Baroda branch located?
Indian Overseas Bank's Regional Office Baroda branch is located at ARIES COMPLEX,BPC ROAD,ALKAPURI,BARODA 390005, Vadodara, Gujarat.
Is IFSC IOBA0002012 valid for NEFT and RTGS?
Yes. IFSC IOBA0002012 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IOBA0002012 the same for all accounts at Regional Office Baroda branch?
Yes. The IFSC IOBA0002012 is shared by every account held at Indian Overseas Bank's Regional Office Baroda branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0002012 belongs to Indian Overseas Bank's REGIONAL OFFICE BARODA branch, located at ARIES COMPLEX,BPC ROAD,ALKAPURI,BARODA 390005 in VADODARA, 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.
