IFSC Code IOBA0003063 - Indian Overseas Bank Chandial
NEAR AMBA HOTEL CHANDIAL CROSS ROAD KATHLAL ROAD CHANDIAL TALUK DASKROI DIST 383433
Quick Info
IFSC: IOBA0003063
Pincode: 383433
District: AHMADABAD
Status: Active
About Indian Overseas Bank Chandial
IFSC Code IOBA0003063 belongs to Indian Overseas Bank Chandial branch located in Kuha, Ahmadabad, Gujarat. This branch serves customers in Kuha, Ahmadabad, Gujarat and surrounding areas.
Understanding IFSC Code IOBA0003063
The IFSC (Indian Financial System Code) IOBA0003063 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (IOBA): Bank code identifying Indian Overseas Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (003063): Unique branch identifier for Chandial
Electronic Fund Transfer Services
IFSC Code IOBA0003063 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Indian Overseas Bank Chandial branch is located at NEAR AMBA HOTEL CHANDIAL CROSS ROAD KATHLAL ROAD CHANDIAL TALUK DASKROI DIST 383433 (Pincode: 383433) in Kuha, Ahmadabad, Gujarat. This location serves customers in Kuha, Ahmadabad, Gujarat and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code IOBA0003063 to ensure the transaction is routed correctly.
How to Use IFSC Code IOBA0003063
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: IOBA0003063 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Indian Overseas Bank Branches
If you're looking for other Indian Overseas Bank branches in Kuha, Ahmadabad, Gujarat or nearby areas, use our Indian Overseas Bank branch finder. You can search by city, district, or state to find all Indian Overseas Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | IOBA0003063 |
| Bank Name: | Indian Overseas Bank |
| Branch Name: | Chandial |
| Address: | NEAR AMBA HOTEL CHANDIAL CROSS ROAD KATHLAL ROAD CHANDIAL TALUK DASKROI DIST 383433 |
| City: | Kuha |
| District: | Ahmadabad |
| State: | Gujarat |
| Pincode: | 383433 |
Payment Services Available
Indian Overseas Bank Chandial Branch IFSC Code IOBA0003063 — Complete Banking Guide for Kuha, Gujarat
IFSC code IOBA0003063 belongs to the Chandial branch of Indian Overseas Bank in Kuha, Ahmadabad district, Gujarat. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC IOBA0003063 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Indian Overseas Bank, Chandial Branch
The Chandial branch of Indian Overseas Bank in Kuha, Gujarat serves retail and corporate customers in Ahmadabad district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC IOBA0003063 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC IOBA0003063
Four primary digital payment rails use IFSC IOBA0003063 for transfers to Indian Overseas Bank, Chandial: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC IOBA0003063 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Chandial branch of Indian Overseas Bank in Kuha carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC IOBA0003063 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC IOBA0003063 Before Transferring
Before initiating any high-value transfer to IFSC IOBA0003063, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Indian Overseas Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Indian Overseas Bank Chandial, Kuha IFSC
What is the IFSC of Indian Overseas Bank Chandial in Kuha?
The IFSC of Indian Overseas Bank, Chandial branch in Kuha, Gujarat is IOBA0003063. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC IOBA0003063?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC IOBA0003063 to route funds to Indian Overseas Bank, Chandial, Kuha.
Who assigns IFSC codes like IOBA0003063?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Indian Overseas Bank applied for the IFSC for its Chandial branch in Kuha, and RBI issued IOBA0003063 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC IOBA0003063 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC IOBA0003063 at Indian Overseas Bank, Chandial, Kuha. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC IOBA0003063.
About IFSC Code IOBA0003063
IFSC Code IOBA0003063 belongs to Indian Overseas Bank branch Chandial located in Kuha, Ahmadabad, Gujarat.
Branch Information
- IFSC Code: IOBA0003063
- Bank: Indian Overseas Bank
- Branch: Chandial
- Address: NEAR AMBA HOTEL CHANDIAL CROSS ROAD KATHLAL ROAD CHANDIAL TALUK DASKROI DIST 383433
- City: Kuha
- District: Ahmadabad
- State: Gujarat
- Pincode: 383433
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available