IFSC Code of Indian Overseas Bank, Ring Road Vizianagaram Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, RING ROAD VIZIANAGARAM branch in VIZIANAGARAM. The 11-digit IFSC IOBA0003940 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 RING ROAD VIZIANAGARAM 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.

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 RING ROAD VIZIANAGARAM branch, the IFSC IOBA0003940 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and 003940 identifies this particular branch.

Branch details at a glance

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ring Road Vizianagaram branch in Vizianagaram, Andhra Pradesh is part of this network and uses the IFSC code IOBA0003940 for all electronic settlement.

Ring Road Vizianagaram branch overview

Located at D NO 20-20-44/1, GROUND FLOOR, PJ CLOUD, SURYA NAGAR, ICE FACTORY JUNCTION, RING ROAD, VIZIANAGARAM - 535002, the Ring Road Vizianagaram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0003940 is required for all interbank electronic transfers routed through this branch.

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 RING ROAD VIZIANAGARAM of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0003940 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 IOBA0003940 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IOBA0003940

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 IOBA0003940 across all three.

NEFT to Indian Overseas Bank, RING ROAD VIZIANAGARAM using IFSC IOBA0003940

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 IOBA0003940, and confirm that the system picks up Indian Overseas Bank – RING ROAD VIZIANAGARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RING ROAD VIZIANAGARAM

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's RING ROAD VIZIANAGARAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0003940 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank RING ROAD VIZIANAGARAM (IFSC IOBA0003940)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0003940 in your mobile or internet banking app, and the money is credited to the RING ROAD VIZIANAGARAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ring Road Vizianagaram

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 IOBA0003940:

• 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 RING ROAD VIZIANAGARAM is still linked to IFSC IOBA0003940.

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 IOBA0003940

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 – RING ROAD VIZIANAGARAM is still mapped to IFSC IOBA0003940. 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 IOBA0003940 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ring Road Vizianagaram branch is mapped to IFSC IOBA0003940 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 IOBA0003940.

Banking services available

The Ring Road Vizianagaram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 892-8925953940.

• 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 IOBA0003940

MICR & cheque-truncation details

Cheques drawn on the Ring Road Vizianagaram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003940 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Ring Road Vizianagaram 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 IOBA0003940 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.

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 – RING ROAD VIZIANAGARAM:

• The IFSC is exactly IOBA0003940 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 RING ROAD VIZIANAGARAM 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 Ring Road Vizianagaram branch

The branch is located at D NO 20-20-44/1, GROUND FLOOR, PJ CLOUD, SURYA NAGAR, ICE FACTORY JUNCTION, RING ROAD, VIZIANAGARAM - 535002, which puts it inside Vizianagaram, the broader Vizianagaram district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Ring Road Vizianagaram branch” — the verified location pin for IFSC IOBA0003940 should appear at the top of the results.
2. Confirm the branch is open by calling 892-8925953940 before stepping out, especially around public holidays.
3. 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 IOBA0003940 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0003940 for Indian Overseas Bank – RING ROAD VIZIANAGARAM, 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 Ring Road Vizianagaram 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 IOBA0003940 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0003940 is the IFSC code of Indian Overseas Bank, RING ROAD VIZIANAGARAM branch, in VIZIANAGARAM, ANDHRA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.