Indian Overseas Bank VAPI PHASE IV Branch VALSAD MICR code indicate many things about a particular banking operation. Indian Overseas Bank VAPI PHASE IV Branch has many branches in VALSAD. MICR Code for Indian Overseas Bank VAPI PHASE IV Branch VALSAD clearly shows its MICR Code allocated by RBI. All third party transactions and processing of any such kind can't be possible without MICR code. That is why MICR Code is considered so important in the banking transactions. Getting access to Indian Overseas Bank VAPI PHASE IV Branch MICR codes VALSAD is not a big deal. It can be found out easily. The MICR Code of a particular bank indicates lots of things that it offers to account holders.