IOBA0003940 — Indian Overseas Bank, Ring Road Vizianagaram
IOBA0003940 is the IFSC code of Indian Overseas Bank, Ring Road Vizianagaram branch, Vizianagaram, Andhra Pradesh. MICR 535020005. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0003940 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Ring Road Vizianagaram |
| Address | D NO 20-20-44/1, GROUND FLOOR, PJ CLOUD, SURYA NAGAR, ICE FACTORY JUNCTION, RING ROAD, VIZIANAGARAM - 535002 |
| City | Vizianagaram |
| District | Vizianagaram |
| State | Andhra Pradesh |
| MICR code | 535020005 |
| SWIFT code | — |
| Phone | +918925953940 |
| 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 Vizianagaram
- Bobbili — IOBA0000364
- Chintalavalasa — IOBA0002498
- Donkinavalasa — IOBA0001167
- Gajapatinagaram — IOBA0002483
- Gujjangivalasa — IOBA0001128
- Perumali — IOBA0000923
- Srungavarapukota — IOBA0003941
- Vizianagaram — IOBA0000384
How to read IFSC IOBA0003940
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 003940 | Branch code – Ring Road Vizianagaram, Vizianagaram |
The MICR code 535020005 is printed at the bottom of cheques from this branch: 535 is the city code, 020 the bank code and 005 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Ring Road Vizianagaram
Payments this branch can receive using IFSC IOBA0003940:
- 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 IOBA0003940.
Questions about IFSC IOBA0003940
What is the IFSC code of Indian Overseas Bank, Ring Road Vizianagaram branch?
The IFSC code of Indian Overseas Bank, Ring Road Vizianagaram branch (Vizianagaram, Andhra Pradesh) is IOBA0003940.
What is the MICR code of Indian Overseas Bank, Ring Road Vizianagaram?
The MICR code of this branch is 535020005.
Where is Indian Overseas Bank, Ring Road Vizianagaram branch located?
The branch address is D NO 20-20-44/1, GROUND FLOOR, PJ CLOUD, SURYA NAGAR, ICE FACTORY JUNCTION, RING ROAD, VIZIANAGARAM - 535002 (Andhra Pradesh).
Does IOBA0003940 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.