If you are searching for the IFSC code of Indian Overseas Bank, VAISHALI branch in VAISHALI, BIHAR, this page has every detail you need. The verified IFSC code for this branch is IOBA0002113. 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 VAISHALI branch, and detailed step-by-step guides for using the IFSC IOBA0002113 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Overseas Bank – VAISHALI is IOBA0002113. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002113 map to this branch in VAISHALI, BIHAR.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Vaishali branch in Vaishali. 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, IOBA0002113.
About this branch
The branch is located at PLOT NO 17, EXPRESS APARTMENTS, SECTOR IV, VAISHALI PIN 201010. It serves the Vaishali 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 IOBA0002113 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Vaishali |
| IFSC Code | IOBA0002113 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO 17, EXPRESS APARTMENTS, SECTOR IV, VAISHALI PIN 201010 |
| City | Vaishali |
| District | Vaishali |
| State | Bihar |
| Phone | 257114 |
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 VAISHALI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0002113 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 IOBA0002113 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IOBA0002113 and the account number together uniquely identify the Vaishali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0002113
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 IOBA0002113 across all three.
NEFT to Indian Overseas Bank, VAISHALI using IFSC IOBA0002113
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 IOBA0002113, and confirm that the system picks up Indian Overseas Bank – VAISHALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to VAISHALI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's VAISHALI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002113 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 – VAISHALI, use IMPS. With IFSC IOBA0002113 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 Vaishali
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 IOBA0002113:
- 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 VAISHALI is still linked to IFSC IOBA0002113.
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 VAISHALI branch, the IFSC IOBA0002113 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.
Products and account variants supported
Every account opened at the Vaishali branch is mapped to IFSC IOBA0002113 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 IOBA0002113.
Products and services
Customers walking into the Vaishali 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 IOBA0002113
Online banking and IFSC IOBA0002113
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the VAISHALI 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 IOBA0002113 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.
How to reach the Vaishali branch
The branch is located at PLOT NO 17, EXPRESS APARTMENTS, SECTOR IV, VAISHALI PIN 201010, which puts it inside Vaishali, the broader Vaishali district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Vaishali branch” — the verified location pin for IFSC IOBA0002113 should appear at the top of the results.
- Confirm the branch is open by calling 257114 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 IOBA0002113 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 – VAISHALI:
- The IFSC is exactly IOBA0002113 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 VAISHALI 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.
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 Vaishali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002113, however, work 24x7.
Verifying IFSC IOBA0002113 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 IOBA0002113 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 257114.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankVaishali Branch
PLOT NO 17, EXPRESS APARTMENTS, SECTOR IV, VAISHALI PIN 201010
Vaishali, Bihar
Phone: 257114
IFSC: IOBA0002113
Frequently asked questions
Is IFSC IOBA0002113 the same for all accounts at Vaishali branch?
Yes. The IFSC IOBA0002113 is shared by every account held at Indian Overseas Bank's Vaishali branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0002113 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002113 to send funds instantly.
Where is Indian Overseas Bank Vaishali branch located?
Indian Overseas Bank's Vaishali branch is located at PLOT NO 17, EXPRESS APARTMENTS, SECTOR IV, VAISHALI PIN 201010, Vaishali, Bihar.
Is IFSC IOBA0002113 valid for NEFT and RTGS?
Yes. IFSC IOBA0002113 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Vaishali branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 257114 to confirm.
What is the phone number of Indian Overseas Bank Vaishali branch?
You can reach the branch at 257114 during regular banking hours.
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 Vaishali branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0002113 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Vaishali reflect within 30 minutes.
Summary
The IFSC code IOBA0002113 belongs to Indian Overseas Bank's VAISHALI branch, located at PLOT NO 17, EXPRESS APARTMENTS, SECTOR IV, VAISHALI PIN 201010 in VAISHALI, BIHAR. 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.
