This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, OGB -ANJI branch in ANJI. The 11-digit IFSC IOBA0GB4181 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the OGB -ANJI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0GB4181 is the IFSC of Indian Overseas Bank's OGB -ANJI branch. The format is fixed: IOBA = bank code, 0 = reserved, GB4181 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb -Anji branch in Anji. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0GB4181.
About the Ogb -Anji branch
The Ogb -Anji branch of Indian Overseas Bank is situated at AT -ANJI, P.O. -SAHASPURA, VIA -ANANTAPUR, DIST-BALASORE, PIN -756046.. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0GB4181 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Anji |
| IFSC Code | IOBA0GB4181 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT -ANJI, P.O. -SAHASPURA, VIA -ANANTAPUR, DIST-BALASORE, PIN -756046. |
| City | Anji |
| District | Balasore |
| State | Odisha |
Why every Indian Overseas Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including OGB -ANJI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB4181 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IOBA0GB4181 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Ogb -Anji branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB4181 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0GB4181
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IOBA0GB4181 across all three.
NEFT to Indian Overseas Bank, OGB -ANJI using IFSC IOBA0GB4181
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IOBA0GB4181, and confirm that the system picks up Indian Overseas Bank – OGB -ANJI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB4181
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – OGB -ANJI, ensure your bank's portal accepts IFSC IOBA0GB4181 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank OGB -ANJI (IFSC IOBA0GB4181)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB4181 in your mobile or internet banking app, and the money is credited to the OGB -ANJI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB4181 for Indian Overseas Bank – OGB -ANJI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IOBA0GB4181 | Yes – IOBA0GB4181 | Yes – IOBA0GB4181 |
For most retail customers crediting the Ogb -Anji branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC IOBA0GB4181
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Overseas Bank – OGB -ANJI is still mapped to IFSC IOBA0GB4181. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IOBA0GB4181 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ogb -Anji branch
Once you have an account at Indian Overseas Bank – OGB -ANJI, the IFSC IOBA0GB4181 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Ogb -Anji branch can access most of Indian Overseas Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IOBA0GB4181
Digital banking channels
Most day-to-day work that customers used to do at the Ogb -Anji branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0GB4181 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Ogb -Anji branch
The branch is located at AT -ANJI, P.O. -SAHASPURA, VIA -ANANTAPUR, DIST-BALASORE, PIN -756046., which puts it inside Anji, the broader Balasore district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Anji branch” — the verified location pin for IFSC IOBA0GB4181 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IOBA0GB4181 and your account number.
Common mistakes to avoid when using IFSC IOBA0GB4181
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indian Overseas Bank – OGB -ANJI, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
IOBA0GB4181. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ogb -Anji branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB4181, however, work 24x7.
Verifying IFSC IOBA0GB4181 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IOBA0GB4181 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankOgb -Anji Branch
AT -ANJI, P.O. -SAHASPURA, VIA -ANANTAPUR, DIST-BALASORE, PIN -756046.
Anji, Odisha
Phone: the branch contact number
IFSC: IOBA0GB4181
Frequently asked questions
Is IFSC IOBA0GB4181 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB4181 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Ogb -Anji as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB4181, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0GB4181 the same for all accounts at Ogb -Anji branch?
Yes. The IFSC IOBA0GB4181 is shared by every account held at Indian Overseas Bank's Ogb -Anji branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Ogb -Anji branch located?
Indian Overseas Bank's Ogb -Anji branch is located at AT -ANJI, P.O. -SAHASPURA, VIA -ANANTAPUR, DIST-BALASORE, PIN -756046., Anji, Odisha.
What is the phone number of Indian Overseas Bank Ogb -Anji branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of Indian Overseas Bank Ogb -Anji branch?
The IFSC code of Indian Overseas Bank, Ogb -Anji branch is IOBA0GB4181. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: IOBA0GB4181 is the IFSC code of Indian Overseas Bank, OGB -ANJI branch, in ANJI, ODISHA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
