IOBA0000973 — Indian Overseas Bank, Malad
IOBA0000973 is the IFSC code of Indian Overseas Bank, Malad branch, Greater Bombay, Maharashtra. MICR 400020029. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0000973 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Malad |
| Address | NO 66, SILVER CROFT, MARVE ROAD, MALAD WEST, MUMBAI - 400064 |
| City | Greater Bombay |
| District | Mumbai |
| State | Maharashtra |
| MICR code | 400020029 |
| SWIFT code | — |
| Phone | 28617075 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Indian Overseas Bank branches in Greater Bombay
- Andheri — IOBA0000209
- Bandra West — IOBA0000128
- Bandup — IOBA0002186
- Borivili West — IOBA0000584
- Breach Candy — IOBA0000222
- Butibori — IOBA0002184
- Chakala — IOBA0000756
- Dadar Mumbai — IOBA0001995
- Delisle Road — IOBA0000388
- Garodia Nagar — IOBA0000397
- Ghatkopar — IOBA0000162
- Iskcon — IOBA0001245
How to read IFSC IOBA0000973
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 000973 | Branch code – Malad, Greater Bombay |
The MICR code 400020029 is printed at the bottom of cheques from this branch: 400 is the city code, 020 the bank code and 029 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Malad
Payments this branch can receive using IFSC IOBA0000973:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC IOBA0000973.
Questions about IFSC IOBA0000973
What is the IFSC code of Indian Overseas Bank, Malad branch?
The IFSC code of Indian Overseas Bank, Malad branch (Greater Bombay, Maharashtra) is IOBA0000973.
What is the MICR code of Indian Overseas Bank, Malad?
The MICR code of this branch is 400020029.
Where is Indian Overseas Bank, Malad branch located?
The branch address is NO 66, SILVER CROFT, MARVE ROAD, MALAD WEST, MUMBAI - 400064 (Maharashtra).
Does IOBA0000973 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.