Below are the complete branch details for Indian Overseas Bank, OGB -BALIGUALI branch, located in BALIGUALI, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0GB0008. 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 IOBA0GB0008 for Indian Overseas Bank – OGB -BALIGUALI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Overseas Bank – OGB -BALIGUALI is IOBA0GB0008. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB0008 map to this branch in BALIGUALI, ODISHA.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb -Baliguali branch in Baliguali. 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, IOBA0GB0008.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Baliguali |
| IFSC Code | IOBA0GB0008 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-BALIGUALIVIA-PURI-2PIN-752002 |
| City | Baliguali |
| District | Puri |
| State | Odisha |
About the Ogb -Baliguali branch
The Ogb -Baliguali branch of Indian Overseas Bank is situated at AT/PO-BALIGUALIVIA-PURI-2PIN-752002. 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 IOBA0GB0008 is used.
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 -BALIGUALI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB0008 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 IOBA0GB0008 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Ogb -Baliguali branch
Once you have an account at Indian Overseas Bank – OGB -BALIGUALI, the IFSC IOBA0GB0008 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.
Banking services available
The Ogb -Baliguali branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0GB0008
How to transfer money using IFSC IOBA0GB0008
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 IOBA0GB0008 across all three.
How to use IFSC IOBA0GB0008 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's OGB -BALIGUALI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0GB0008.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as OGB -BALIGUALI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to OGB -BALIGUALI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB -BALIGUALI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB0008 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 -BALIGUALI, use IMPS. With IFSC IOBA0GB0008 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 IOBA0GB0008 for Indian Overseas Bank – OGB -BALIGUALI, 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 – IOBA0GB0008 | Yes – IOBA0GB0008 | Yes – IOBA0GB0008 |
For most retail customers crediting the Ogb -Baliguali 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 IOBA0GB0008
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 -BALIGUALI is still mapped to IFSC IOBA0GB0008. 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 IOBA0GB0008 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0GB0008
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB -BALIGUALI 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 IOBA0GB0008 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 -Baliguali branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB0008 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 -BALIGUALI:
- The IFSC is exactly IOBA0GB0008 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 -BALIGUALI 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 -Baliguali branch
The branch is located at AT/PO-BALIGUALIVIA-PURI-2PIN-752002, which puts it inside Baliguali, the broader Puri district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Baliguali branch” — the verified location pin for IFSC IOBA0GB0008 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 IOBA0GB0008 and your account number.
Verifying IFSC IOBA0GB0008 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 IOBA0GB0008 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 -Baliguali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB0008, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb -Baliguali Branch
AT/PO-BALIGUALIVIA-PURI-2PIN-752002
Baliguali, Odisha
Phone: the branch contact number
IFSC: IOBA0GB0008
Frequently asked questions
Is IFSC IOBA0GB0008 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB0008 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Ogb -Baliguali as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB0008, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0GB0008 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Baliguali reflect within 30 minutes.
Can I use IFSC IOBA0GB0008 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB0008 to send funds instantly.
What is the phone number of Indian Overseas Bank Ogb -Baliguali 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 -Baliguali branch but serve different purposes.
Is IFSC IOBA0GB0008 the same for all accounts at Ogb -Baliguali branch?
Yes. The IFSC IOBA0GB0008 is shared by every account held at Indian Overseas Bank's Ogb -Baliguali branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Ogb -Baliguali branch located?
Indian Overseas Bank's Ogb -Baliguali branch is located at AT/PO-BALIGUALIVIA-PURI-2PIN-752002, Baliguali, Odisha.
Summary
The IFSC code IOBA0GB0008 belongs to Indian Overseas Bank's OGB -BALIGUALI branch, located at AT/PO-BALIGUALIVIA-PURI-2PIN-752002 in BALIGUALI, ODISHA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
