Branch Details — IOBA0003818
| Bank Name | Indian Overseas Bank |
| Branch Name | Ayodhya |
| IFSC Code | IOBA0003818 |
| MICR Code | 224020003 |
| Bank Code (RBI) | IOBA |
| Branch Code | 003818 |
| Address | PLOT NO.32A,HOUSE NO.4/1/48,HANUMAN GARHI,AYODHYA -224123 |
| City | Ayodhya |
| District | Ayodhya |
| State | Uttar Pradesh |
| Contact | +918004698950 |
| Toll Free | 1800-425-4445 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using IOBA0003818
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC IOBA0003818.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC IOBA0003818.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is IOBA0003818. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Indian Overseas Bank Ayodhya branch, Ayodhya, Uttar Pradesh.
The MICR code is 224020003. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: PLOT NO.32A,HOUSE NO.4/1/48,HANUMAN GARHI,AYODHYA -224123. 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 003818 identify the Ayodhya branch.
Yes. Indian Overseas Bank Ayodhya Branch (IFSC: IOBA0003818) 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 IOBA0003818 → select NEFT/RTGS/IMPS → confirm with OTP.