Use this page as a one-stop reference for everything related to Indian Overseas Bank's BERHAMPUR GAJAPATHI NAGAR branch in BERHAMPUR, ODISHA. The branch's IFSC code IOBA0001530 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.
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, IOBA0001530 is the IFSC of Indian Overseas Bank's BERHAMPUR GAJAPATHI NAGAR branch. The format is fixed: IOBA = bank code, 0 = reserved, 001530 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Berhampur Gajapathi Nagar branch in Berhampur. 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, IOBA0001530.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Berhampur Gajapathi Nagar |
| IFSC Code | IOBA0001530 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VIJAY BHAVAN,VOS CAMPUS,ENGG SCHOOL ROAD,BERHAMPUR PIN 760010 |
| City | Berhampur |
| District | Baleshwar |
| State | Odisha |
| Phone | 2290825 |
About the Berhampur Gajapathi Nagar branch
The Berhampur Gajapathi Nagar branch of Indian Overseas Bank is situated at VIJAY BHAVAN,VOS CAMPUS,ENGG SCHOOL ROAD,BERHAMPUR PIN 760010. 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 IOBA0001530 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 BERHAMPUR GAJAPATHI NAGAR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0001530 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 IOBA0001530 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 Berhampur Gajapathi Nagar branch
Once you have an account at Indian Overseas Bank – BERHAMPUR GAJAPATHI NAGAR, the IFSC IOBA0001530 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 Berhampur Gajapathi Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2290825.
- 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 IOBA0001530
How to transfer money using IFSC IOBA0001530
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 IOBA0001530 across all three.
NEFT to Indian Overseas Bank, BERHAMPUR GAJAPATHI NAGAR using IFSC IOBA0001530
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 IOBA0001530, and confirm that the system picks up Indian Overseas Bank – BERHAMPUR GAJAPATHI NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BERHAMPUR GAJAPATHI NAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's BERHAMPUR GAJAPATHI NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0001530 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 – BERHAMPUR GAJAPATHI NAGAR, use IMPS. With IFSC IOBA0001530 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 IOBA0001530 for Indian Overseas Bank – BERHAMPUR GAJAPATHI NAGAR, 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 – IOBA0001530 | Yes – IOBA0001530 | Yes – IOBA0001530 |
For most retail customers crediting the Berhampur Gajapathi Nagar 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 IOBA0001530
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 – BERHAMPUR GAJAPATHI NAGAR is still mapped to IFSC IOBA0001530. 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 IOBA0001530 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0001530
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the BERHAMPUR GAJAPATHI NAGAR 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 IOBA0001530 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 Berhampur Gajapathi Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0001530 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0001530
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 – BERHAMPUR GAJAPATHI NAGAR, 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:
IOBA0001530. - 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 Berhampur Gajapathi Nagar branch
The branch is located at VIJAY BHAVAN,VOS CAMPUS,ENGG SCHOOL ROAD,BERHAMPUR PIN 760010, which puts it inside Berhampur, the broader Baleshwar district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Berhampur Gajapathi Nagar branch” — the verified location pin for IFSC IOBA0001530 should appear at the top of the results.
- Confirm the branch is open by calling 2290825 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 IOBA0001530 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0001530 for Indian Overseas Bank – BERHAMPUR GAJAPATHI NAGAR, 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 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 Berhampur Gajapathi Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0001530, however, work 24x7.
Branch address & contact
Indian Overseas BankBerhampur Gajapathi Nagar Branch
VIJAY BHAVAN,VOS CAMPUS,ENGG SCHOOL ROAD,BERHAMPUR PIN 760010
Berhampur, Odisha
Phone: 2290825
IFSC: IOBA0001530
Frequently asked questions
Can I use IFSC IOBA0001530 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0001530 to send funds instantly.
Does Indian Overseas Bank Berhampur Gajapathi Nagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2290825 to confirm.
How do I add Indian Overseas Bank Berhampur Gajapathi Nagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0001530, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0001530 the same for all accounts at Berhampur Gajapathi Nagar branch?
Yes. The IFSC IOBA0001530 is shared by every account held at Indian Overseas Bank's Berhampur Gajapathi Nagar branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Berhampur Gajapathi Nagar branch?
You can reach the branch at 2290825 during regular banking hours.
Is IFSC IOBA0001530 valid for NEFT and RTGS?
Yes. IFSC IOBA0001530 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IOBA0001530 belongs to Indian Overseas Bank's BERHAMPUR GAJAPATHI NAGAR branch, located at VIJAY BHAVAN,VOS CAMPUS,ENGG SCHOOL ROAD,BERHAMPUR PIN 760010 in BERHAMPUR, 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.
