IOBA0002854 — Indian Overseas Bank, Gadag
IOBA0002854 is the IFSC code of Indian Overseas Bank, Gadag branch, Gadag, Karnataka. MICR 582020002. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0002854 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Gadag |
| Address | TONTADARYA COMPLEX,TONTADARYA MATH ROAD,DIST GADAG,KARNATAKA 582101 |
| City | Gadag |
| District | Gadag |
| State | Karnataka |
| MICR code | 582020002 |
| 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 Gadag
- Gajendragarh — IOBA0002650
- Kadampur — IOBA0003329
- Malasamudra — IOBA0003777
- Nargund — IOBA0003330
How to read IFSC IOBA0002854
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 002854 | Branch code – Gadag, Gadag |
The MICR code 582020002 is printed at the bottom of cheques from this branch: 582 is the city code, 020 the bank code and 002 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Gadag
Payments this branch can receive using IFSC IOBA0002854:
- 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 IOBA0002854.
Questions about IFSC IOBA0002854
What is the IFSC code of Indian Overseas Bank, Gadag branch?
The IFSC code of Indian Overseas Bank, Gadag branch (Gadag, Karnataka) is IOBA0002854.
What is the MICR code of Indian Overseas Bank, Gadag?
The MICR code of this branch is 582020002.
Where is Indian Overseas Bank, Gadag branch located?
The branch address is TONTADARYA COMPLEX,TONTADARYA MATH ROAD,DIST GADAG,KARNATAKA 582101 (Karnataka).
Does IOBA0002854 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.