This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, OGB -BARAPADA branch in BARAPADA. The 11-digit IFSC IOBA0GB4227 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 -BARAPADA 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, IOBA0GB4227 is the IFSC of Indian Overseas Bank's OGB -BARAPADA branch. The format is fixed: IOBA = bank code, 0 = reserved, GB4227 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ogb -Barapada branch — IFSC IOBA0GB4227 — extends the bank's services to customers in and around Barapada, Odisha.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Barapada |
| IFSC Code | IOBA0GB4227 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-BARAPADA,DIST.- BHADRAK, PIN-756113 |
| City | Barapada |
| District | Bhadrak |
| State | Odisha |
Ogb -Barapada branch overview
Located at AT/PO-BARAPADA,DIST.- BHADRAK, PIN-756113, the Ogb -Barapada branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB4227 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 -BARAPADA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB4227 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 IOBA0GB4227 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 -Barapada branch is mapped to IFSC IOBA0GB4227 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 IOBA0GB4227.
Products and services
Customers walking into the Ogb -Barapada 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 IOBA0GB4227
How to transfer money using IFSC IOBA0GB4227
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 IOBA0GB4227 across all three.
NEFT to Indian Overseas Bank, OGB -BARAPADA using IFSC IOBA0GB4227
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 IOBA0GB4227, and confirm that the system picks up Indian Overseas Bank – OGB -BARAPADA. 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 -BARAPADA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB -BARAPADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB4227 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank OGB -BARAPADA (IFSC IOBA0GB4227)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB4227 in your mobile or internet banking app, and the money is credited to the OGB -BARAPADA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB4227 for Indian Overseas Bank – OGB -BARAPADA, 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 – IOBA0GB4227 | Yes – IOBA0GB4227 | Yes – IOBA0GB4227 |
For most retail customers crediting the Ogb -Barapada 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 IOBA0GB4227
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 -BARAPADA is still mapped to IFSC IOBA0GB4227. 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 IOBA0GB4227 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0GB4227
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB -BARAPADA 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 IOBA0GB4227 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 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 IOBA0GB4227 and the account number together uniquely identify the Ogb -Barapada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IOBA0GB4227
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 -BARAPADA, 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:
IOBA0GB4227. - 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.
Reaching the branch
The Ogb -Barapada branch sits at AT/PO-BARAPADA,DIST.- BHADRAK, PIN-756113. If you are travelling from outside Barapada, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IOBA0GB4227 and your account number.
Verifying IFSC IOBA0GB4227 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 IOBA0GB4227 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.
Working hours
Branch counters at Ogb -Barapada 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 IOBA0GB4227 continue to work without interruption.
Branch address & contact
Indian Overseas BankOgb -Barapada Branch
AT/PO-BARAPADA,DIST.- BHADRAK, PIN-756113
Barapada, Odisha
Phone: the branch contact number
IFSC: IOBA0GB4227
Frequently asked questions
How quickly will an NEFT transfer using IOBA0GB4227 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Barapada reflect within 30 minutes.
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 -Barapada branch but serve different purposes.
Is IFSC IOBA0GB4227 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB4227 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Ogb -Barapada 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 do I add Indian Overseas Bank Ogb -Barapada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB4227, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Ogb -Barapada branch located?
Indian Overseas Bank's Ogb -Barapada branch is located at AT/PO-BARAPADA,DIST.- BHADRAK, PIN-756113, Barapada, Odisha.
What is the phone number of Indian Overseas Bank Ogb -Barapada branch?
You can reach the branch at the branch contact number during regular banking hours.
Final notes
To recap: IOBA0GB4227 is the IFSC code of Indian Overseas Bank, OGB -BARAPADA branch, in BARAPADA, 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.
