Branch Details — IOBA0000703
| Bank Name | Indian Overseas Bank |
| Branch Name | Kalali |
| IFSC Code | IOBA0000703 |
| MICR Code | 390020005 |
| Bank Code (RBI) | IOBA |
| Branch Code | 000703 |
| Address | KALALI ROAD, KALALI PIN 390012 |
| City | Vadodara |
| District | Kalali |
| State | Gujarat |
| Contact | 2680068 |
| Toll Free | 1800-425-4445 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using IOBA0000703
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC IOBA0000703.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC IOBA0000703.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is IOBA0000703. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Indian Overseas Bank Kalali branch, Vadodara, Gujarat.
The MICR code is 390020005. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: KALALI ROAD, KALALI PIN 390012. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
IOBA identifies Indian Overseas Bank. The 5th character 0 is reserved by RBI. The last 6 characters 000703 identify the Kalali branch.
Yes. Indian Overseas Bank Kalali Branch (IFSC: IOBA0000703) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC IOBA0000703 → select NEFT/RTGS/IMPS → confirm with OTP.