Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB - BARGARH branch in BARGARH, ODISHA. The branch's IFSC code IOBA0GB8446 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 - BARGARH is IOBA0GB8446. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB8446 map to this branch in BARGARH, ODISHA.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Bargarh |
| IFSC Code | IOBA0GB8446 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT-BANDUTIKRA PO-BARGARH,DIST-BARGARH,PIN-768028 |
| City | Bargarh |
| District | Bargarh |
| State | 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 - Bargarh branch in Bargarh, Odisha is part of this network and uses the IFSC code IOBA0GB8446 for all electronic settlement.
Ogb - Bargarh branch overview
Located at AT-BANDUTIKRA PO-BARGARH,DIST-BARGARH,PIN-768028, the Ogb - Bargarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB8446 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 - BARGARH of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB8446 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 IOBA0GB8446 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0GB8446
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 IOBA0GB8446 across all three.
NEFT to Indian Overseas Bank, OGB - BARGARH using IFSC IOBA0GB8446
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 IOBA0GB8446, and confirm that the system picks up Indian Overseas Bank – OGB - BARGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB8446
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 - BARGARH, ensure your bank's portal accepts IFSC IOBA0GB8446 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank OGB - BARGARH (IFSC IOBA0GB8446)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB8446 in your mobile or internet banking app, and the money is credited to the OGB - BARGARH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB8446 for Indian Overseas Bank – OGB - BARGARH, 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 – IOBA0GB8446 | Yes – IOBA0GB8446 | Yes – IOBA0GB8446 |
For most retail customers crediting the Ogb - Bargarh 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 - BARGARH branch, the IFSC IOBA0GB8446 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 - Bargarh branch is mapped to IFSC IOBA0GB8446 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 IOBA0GB8446.
Products and services
Customers walking into the Ogb - Bargarh 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 IOBA0GB8446
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 IOBA0GB8446 and the account number together uniquely identify the Ogb - Bargarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0GB8446
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - BARGARH 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 IOBA0GB8446 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.
Common mistakes to avoid when using IFSC IOBA0GB8446
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 - BARGARH, 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:
IOBA0GB8446. - 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 - Bargarh branch
The branch is located at AT-BANDUTIKRA PO-BARGARH,DIST-BARGARH,PIN-768028, which puts it inside Bargarh, the broader Bargarh district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb - Bargarh branch” — the verified location pin for IFSC IOBA0GB8446 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 IOBA0GB8446 and your account number.
Verifying IFSC IOBA0GB8446 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 IOBA0GB8446 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 - Bargarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB8446, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb - Bargarh Branch
AT-BANDUTIKRA PO-BARGARH,DIST-BARGARH,PIN-768028
Bargarh, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8446
Frequently asked questions
What is the phone number of Indian Overseas Bank Ogb - Bargarh branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of Indian Overseas Bank Ogb - Bargarh branch?
The IFSC code of Indian Overseas Bank, Ogb - Bargarh branch is IOBA0GB8446. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0GB8446 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB8446 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Ogb - Bargarh branch located?
Indian Overseas Bank's Ogb - Bargarh branch is located at AT-BANDUTIKRA PO-BARGARH,DIST-BARGARH,PIN-768028, Bargarh, Odisha.
How do I add Indian Overseas Bank Ogb - Bargarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8446, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Ogb - Bargarh 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 IOBA0GB8446 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Bargarh reflect within 30 minutes.
Summary
The IFSC code IOBA0GB8446 belongs to Indian Overseas Bank's OGB - BARGARH branch, located at AT-BANDUTIKRA PO-BARGARH,DIST-BARGARH,PIN-768028 in BARGARH, 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.
