IFSC Code of Indian Overseas Bank, Ogb -Atharbanki Branch, Odisha

If you are searching for the IFSC code of Indian Overseas Bank, OGB -ATHARBANKI branch in ATHARBANKI, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0GB4099. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the OGB -ATHARBANKI branch, and detailed step-by-step guides for using the IFSC IOBA0GB4099 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, IOBA0GB4099 is the IFSC of Indian Overseas Bank's OGB -ATHARBANKI branch. The format is fixed: IOBA = bank code, 0 = reserved, GB4099 = branch identifier.

Branch details at a glance

About the bank

Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ogb -Atharbanki branch in Atharbanki, Odisha is part of this network and uses the IFSC code IOBA0GB4099 for all electronic settlement.

Ogb -Atharbanki branch overview

Located at AT-ATHARBANKI,POST-PARADEEPRLY.COL DIST.JAGATSINGHPUR,PIN-754143, the Ogb -Atharbanki branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB4099 is required for all interbank electronic transfers routed through this branch.

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 -ATHARBANKI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB4099 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 IOBA0GB4099 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IOBA0GB4099

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 IOBA0GB4099 across all three.

NEFT to Indian Overseas Bank, OGB -ATHARBANKI using IFSC IOBA0GB4099

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 IOBA0GB4099, and confirm that the system picks up Indian Overseas Bank – OGB -ATHARBANKI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to OGB -ATHARBANKI

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB -ATHARBANKI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB4099 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank OGB -ATHARBANKI (IFSC IOBA0GB4099)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB4099 in your mobile or internet banking app, and the money is credited to the OGB -ATHARBANKI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ogb -Atharbanki

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0GB4099:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at OGB -ATHARBANKI is still linked to IFSC IOBA0GB4099.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Overseas Bank's OGB -ATHARBANKI branch, the IFSC IOBA0GB4099 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Ogb -Atharbanki branch is mapped to IFSC IOBA0GB4099 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian Overseas Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains IOBA0GB4099.

Products and services

Customers walking into the Ogb -Atharbanki 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 IOBA0GB4099

MICR & cheque-truncation details

Cheques drawn on the Ogb -Atharbanki branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB4099 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IOBA0GB4099

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB -ATHARBANKI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IOBA0GB4099 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Overseas Bank – OGB -ATHARBANKI:

• The IFSC is exactly IOBA0GB4099 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Indian Overseas Bank as the bank name and OGB -ATHARBANKI as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Ogb -Atharbanki branch

The branch is located at AT-ATHARBANKI,POST-PARADEEPRLY.COL DIST.JAGATSINGHPUR,PIN-754143, which puts it inside Atharbanki, the broader Jagatsinghpur district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Atharbanki branch” — the verified location pin for IFSC IOBA0GB4099 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 IOBA0GB4099 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IOBA0GB4099 for Indian Overseas Bank – OGB -ATHARBANKI, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 -Atharbanki branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB4099, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0GB4099 is the IFSC code of Indian Overseas Bank, OGB -ATHARBANKI branch, in ATHARBANKI, 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.