This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, OGB -BARAMUNDA branch in BARAMUNDA. The 11-digit IFSC IOBA0GB0126 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 -BARAMUNDA 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.
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 -BARAMUNDA is IOBA0GB0126. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB0126 map to this branch in BARAMUNDA, ODISHA.
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 -Baramunda branch in Baramunda, Odisha is part of this network and uses the IFSC code IOBA0GB0126 for all electronic settlement.
About this branch
The branch is located at ODISHAGRAMEENBANK,BARAMUNDABRANCH,RUCHIKAMARKET,BARAMUNDA,BHUBANESWAR-751003,. It serves the Baramunda region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0GB0126 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Baramunda |
| IFSC Code | IOBA0GB0126 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ODISHAGRAMEENBANK,BARAMUNDABRANCH,RUCHIKAMARKET,BARAMUNDA,BHUBANESWAR-751003, |
| City | Baramunda |
| District | Khurda |
| 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 -BARAMUNDA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB0126 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 IOBA0GB0126 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Indian Overseas Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IOBA0GB0126 and the account number together uniquely identify the Ogb -Baramunda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0GB0126
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 IOBA0GB0126 across all three.
NEFT to Indian Overseas Bank, OGB -BARAMUNDA using IFSC IOBA0GB0126
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 IOBA0GB0126, and confirm that the system picks up Indian Overseas Bank – OGB -BARAMUNDA. 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 -BARAMUNDA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB -BARAMUNDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB0126 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank OGB -BARAMUNDA (IFSC IOBA0GB0126)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB0126 in your mobile or internet banking app, and the money is credited to the OGB -BARAMUNDA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB0126 for Indian Overseas Bank – OGB -BARAMUNDA, 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 – IOBA0GB0126 | Yes – IOBA0GB0126 | Yes – IOBA0GB0126 |
For most retail customers crediting the Ogb -Baramunda 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 IOBA0GB0126
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 -BARAMUNDA is still mapped to IFSC IOBA0GB0126. 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 IOBA0GB0126 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ogb -Baramunda branch
Once you have an account at Indian Overseas Bank – OGB -BARAMUNDA, the IFSC IOBA0GB0126 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 -Baramunda 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 IOBA0GB0126
Online banking and IFSC IOBA0GB0126
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB -BARAMUNDA 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 IOBA0GB0126 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.
How to reach the Ogb -Baramunda branch
The branch is located at ODISHAGRAMEENBANK,BARAMUNDABRANCH,RUCHIKAMARKET,BARAMUNDA,BHUBANESWAR-751003,, which puts it inside Baramunda, the broader Khurda district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Baramunda branch” — the verified location pin for IFSC IOBA0GB0126 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 IOBA0GB0126 and your account number.
Common mistakes to avoid when using IFSC IOBA0GB0126
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 -BARAMUNDA, 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:
IOBA0GB0126. - 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.
Working hours
Branch counters at Ogb -Baramunda are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IOBA0GB0126 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0GB0126 for Indian Overseas Bank – OGB -BARAMUNDA, 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 address & contact
Indian Overseas BankOgb -Baramunda Branch
ODISHAGRAMEENBANK,BARAMUNDABRANCH,RUCHIKAMARKET,BARAMUNDA,BHUBANESWAR-751003,
Baramunda, Odisha
Phone: the branch contact number
IFSC: IOBA0GB0126
Frequently asked questions
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 -Baramunda branch but serve different purposes.
What is the phone number of Indian Overseas Bank Ogb -Baramunda branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC IOBA0GB0126 the same for all accounts at Ogb -Baramunda branch?
Yes. The IFSC IOBA0GB0126 is shared by every account held at Indian Overseas Bank's Ogb -Baramunda branch. Only the account number changes from customer to customer.
Does Indian Overseas Bank Ogb -Baramunda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How quickly will an NEFT transfer using IOBA0GB0126 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Baramunda reflect within 30 minutes.
How do I add Indian Overseas Bank Ogb -Baramunda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB0126, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Ogb -Baramunda branch located?
Indian Overseas Bank's Ogb -Baramunda branch is located at ODISHAGRAMEENBANK,BARAMUNDABRANCH,RUCHIKAMARKET,BARAMUNDA,BHUBANESWAR-751003,, Baramunda, Odisha.
Summary
The IFSC code IOBA0GB0126 belongs to Indian Overseas Bank's OGB -BARAMUNDA branch, located at ODISHAGRAMEENBANK,BARAMUNDABRANCH,RUCHIKAMARKET,BARAMUNDA,BHUBANESWAR-751003, in BARAMUNDA, 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.
