If you are searching for the IFSC code of Indian Overseas Bank, OGB - BARGAON branch in BARGAON, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0GB8192. 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 - BARGAON branch, and detailed step-by-step guides for using the IFSC IOBA0GB8192 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.
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 - BARGAON is IOBA0GB8192. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB8192 map to this branch in BARGAON, ODISHA.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ogb - Bargaon branch — IFSC IOBA0GB8192 — extends the bank's services to customers in and around Bargaon, Odisha.
Ogb - Bargaon branch overview
Located at AT/PO-BARGAON,DIST-NUAPADA,PIN-766107, the Ogb - Bargaon branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB8192 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Bargaon |
| IFSC Code | IOBA0GB8192 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-BARGAON,DIST-NUAPADA,PIN-766107 |
| City | Bargaon |
| District | Nuapada |
| State | Odisha |
| STD Code | 0 |
| Phone | 0 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Overseas Bank's OGB - BARGAON branch came to be assigned the code IOBA0GB8192.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IOBA0GB8192, money simply cannot be routed to the OGB - BARGAON branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Ogb - Bargaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB8192 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0GB8192
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 IOBA0GB8192 across all three.
NEFT to Indian Overseas Bank, OGB - BARGAON using IFSC IOBA0GB8192
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 IOBA0GB8192, and confirm that the system picks up Indian Overseas Bank – OGB - BARGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB8192
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – OGB - BARGAON, ensure your bank's portal accepts IFSC IOBA0GB8192 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank OGB - BARGAON (IFSC IOBA0GB8192)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB8192 in your mobile or internet banking app, and the money is credited to the OGB - BARGAON branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB8192 for Indian Overseas Bank – OGB - BARGAON, 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 – IOBA0GB8192 | Yes – IOBA0GB8192 | Yes – IOBA0GB8192 |
For most retail customers crediting the Ogb - Bargaon 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 - BARGAON branch, the IFSC IOBA0GB8192 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 - Bargaon branch is mapped to IFSC IOBA0GB8192 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 IOBA0GB8192.
Products and services
Customers walking into the Ogb - Bargaon 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 IOBA0GB8192
Digital banking channels
Most day-to-day work that customers used to do at the Ogb - Bargaon branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0GB8192 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Reaching the branch
The Ogb - Bargaon branch sits at AT/PO-BARGAON,DIST-NUAPADA,PIN-766107. If you are travelling from outside Bargaon, search for the branch on a maps application using the bank name and locality, or call 0 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 IOBA0GB8192 and your account number.
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 - BARGAON:
- The IFSC is exactly IOBA0GB8192 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 - BARGAON 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.
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 - Bargaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB8192, however, work 24x7.
Verifying IFSC IOBA0GB8192 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 IOBA0GB8192 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankOgb - Bargaon Branch
AT/PO-BARGAON,DIST-NUAPADA,PIN-766107
Bargaon, Odisha
Phone: 0
IFSC: IOBA0GB8192
Frequently asked questions
Can I use IFSC IOBA0GB8192 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8192 to send funds instantly.
How do I add Indian Overseas Bank Ogb - Bargaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8192, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0GB8192 the same for all accounts at Ogb - Bargaon branch?
Yes. The IFSC IOBA0GB8192 is shared by every account held at Indian Overseas Bank's Ogb - Bargaon branch. Only the account number changes from customer to customer.
Is IFSC IOBA0GB8192 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB8192 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Ogb - Bargaon branch located?
Indian Overseas Bank's Ogb - Bargaon branch is located at AT/PO-BARGAON,DIST-NUAPADA,PIN-766107, Bargaon, Odisha.
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 - Bargaon branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0GB8192 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Bargaon reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Ogb - Bargaon branch?
The IFSC code of Indian Overseas Bank, Ogb - Bargaon branch is IOBA0GB8192. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0GB8192 belongs to Indian Overseas Bank's OGB - BARGAON branch, located at AT/PO-BARGAON,DIST-NUAPADA,PIN-766107 in BARGAON, 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.
