IOBA0004131 — Indian Overseas Bank, Ghod Dod Road
IOBA0004131 is the IFSC code of Indian Overseas Bank, Ghod Dod Road branch, Surat, Gujarat. MICR 395020010. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0004131 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Ghod Dod Road |
| Address | GF SHOP NO. 3, 4, WEST, ROYAL HEIGHTS, BH SARGAM SHOPPING CENTRE,SOMNATH MAHADEV ROAD,GHOD DOD ROAD, SURAT - 395007 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| MICR code | 395020010 |
| SWIFT code | — |
| Phone | — |
| 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.
How to read IFSC IOBA0004131
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 004131 | Branch code – Ghod Dod Road, Surat |
The MICR code 395020010 is printed at the bottom of cheques from this branch: 395 is the city code, 020 the bank code and 010 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Ghod Dod Road
Payments this branch can receive using IFSC IOBA0004131:
- 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 IOBA0004131.
Questions about IFSC IOBA0004131
What is the IFSC code of Indian Overseas Bank, Ghod Dod Road branch?
The IFSC code of Indian Overseas Bank, Ghod Dod Road branch (Surat, Gujarat) is IOBA0004131.
What is the MICR code of Indian Overseas Bank, Ghod Dod Road?
The MICR code of this branch is 395020010.
Where is Indian Overseas Bank, Ghod Dod Road branch located?
The branch address is GF SHOP NO. 3, 4, WEST, ROYAL HEIGHTS, BH SARGAM SHOPPING CENTRE,SOMNATH MAHADEV ROAD,GHOD DOD ROAD, SURAT - 395007 (Gujarat).
Does IOBA0004131 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.