Below are the complete branch details for Indian Overseas Bank, OGB - BADKUTRU branch, located in BADKUTRU, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0GB8222. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0GB8222 for Indian Overseas Bank – OGB - BADKUTRU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's OGB - BADKUTRU branch, the IFSC IOBA0GB8222 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and GB8222 identifies this particular branch.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ogb - Badkutru branch — IFSC IOBA0GB8222 — extends the bank's services to customers in and around Badkutru, Odisha.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Badkutru |
| IFSC Code | IOBA0GB8222 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BADKUTRU, KALAHANDI,DIST-KALAHANDI,PIN-766018 |
| City | Badkutru |
| District | Bhawanipatna |
| State | Odisha |
Ogb - Badkutru branch overview
Located at BADKUTRU, KALAHANDI,DIST-KALAHANDI,PIN-766018, the Ogb - Badkutru branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB8222 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 - BADKUTRU of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB8222 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 IOBA0GB8222 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ogb - Badkutru branch is mapped to IFSC IOBA0GB8222 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 IOBA0GB8222.
Products and services
Customers walking into the Ogb - Badkutru 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 IOBA0GB8222
How to transfer money using IFSC IOBA0GB8222
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 IOBA0GB8222 across all three.
NEFT to Indian Overseas Bank, OGB - BADKUTRU using IFSC IOBA0GB8222
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 IOBA0GB8222, and confirm that the system picks up Indian Overseas Bank – OGB - BADKUTRU. 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 - BADKUTRU
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB - BADKUTRU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB8222 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – OGB - BADKUTRU, use IMPS. With IFSC IOBA0GB8222 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB8222 for Indian Overseas Bank – OGB - BADKUTRU, 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 – IOBA0GB8222 | Yes – IOBA0GB8222 | Yes – IOBA0GB8222 |
For most retail customers crediting the Ogb - Badkutru 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.
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 - BADKUTRU branch, the IFSC IOBA0GB8222 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.
Online banking and IFSC IOBA0GB8222
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - BADKUTRU 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 IOBA0GB8222 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.
MICR & cheque-truncation details
Cheques drawn on the Ogb - Badkutru branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB8222 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0GB8222
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 - BADKUTRU, 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:
IOBA0GB8222. - 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.
How to reach the Ogb - Badkutru branch
The branch is located at BADKUTRU, KALAHANDI,DIST-KALAHANDI,PIN-766018, which puts it inside Badkutru, the broader Bhawanipatna district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb - Badkutru branch” — the verified location pin for IFSC IOBA0GB8222 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 IOBA0GB8222 and your account number.
Verifying IFSC IOBA0GB8222 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 IOBA0GB8222 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 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 - Badkutru branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB8222, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb - Badkutru Branch
BADKUTRU, KALAHANDI,DIST-KALAHANDI,PIN-766018
Badkutru, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8222
Frequently asked questions
Where is Indian Overseas Bank Ogb - Badkutru branch located?
Indian Overseas Bank's Ogb - Badkutru branch is located at BADKUTRU, KALAHANDI,DIST-KALAHANDI,PIN-766018, Badkutru, Odisha.
What is the IFSC code of Indian Overseas Bank Ogb - Badkutru branch?
The IFSC code of Indian Overseas Bank, Ogb - Badkutru branch is IOBA0GB8222. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using IOBA0GB8222 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Badkutru reflect within 30 minutes.
Is IFSC IOBA0GB8222 the same for all accounts at Ogb - Badkutru branch?
Yes. The IFSC IOBA0GB8222 is shared by every account held at Indian Overseas Bank's Ogb - Badkutru branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Ogb - Badkutru branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ogb - Badkutru branch but serve different purposes.
Is IFSC IOBA0GB8222 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB8222 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: IOBA0GB8222 is the IFSC code of Indian Overseas Bank, OGB - BADKUTRU branch, in BADKUTRU, 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.
