IOBA0002391 — Indian Overseas Bank, Waghodia Road
IOBA0002391 is the IFSC code of Indian Overseas Bank, Waghodia Road branch, Vadodara, Gujarat. MICR 390020015. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0002391 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Waghodia Road |
| Address | A 3,GAJANANAD PARK SOCIETY,UMA CHAR RASTA,WAGHODIA ROAD,BARODA DIST BARODA,PIN 390 019 |
| City | Vadodara |
| District | Waghodia |
| State | Gujarat |
| MICR code | 390020015 |
| SWIFT code | — |
| Phone | +914428584896 |
| 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 Vadodara
- Alkapuri — IOBA0000195
- Baroda Dandia Bazaar — IOBA0000356
- Baroda Jawahar Nagar — IOBA0000473
- Baroda Makarpura — IOBA0001569
- Baroda Vasna Road — IOBA0001587
- Gotri Road — IOBA0001717
- Itola — IOBA0000701
- Kalali — IOBA0000703
- Piparia — IOBA0001788
- Sama Road — IOBA0002390
- Undera — IOBA0000723
- Vadodara-manjalpur — IOBA0003471
How to read IFSC IOBA0002391
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 002391 | Branch code – Waghodia Road, Vadodara |
The MICR code 390020015 is printed at the bottom of cheques from this branch: 390 is the city code, 020 the bank code and 015 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Waghodia Road
Payments this branch can receive using IFSC IOBA0002391:
- 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 IOBA0002391.
Questions about IFSC IOBA0002391
What is the IFSC code of Indian Overseas Bank, Waghodia Road branch?
The IFSC code of Indian Overseas Bank, Waghodia Road branch (Vadodara, Gujarat) is IOBA0002391.
What is the MICR code of Indian Overseas Bank, Waghodia Road?
The MICR code of this branch is 390020015.
Where is Indian Overseas Bank, Waghodia Road branch located?
The branch address is A 3,GAJANANAD PARK SOCIETY,UMA CHAR RASTA,WAGHODIA ROAD,BARODA DIST BARODA,PIN 390 019 (Gujarat).
Does IOBA0002391 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.