Use this page as a one-stop reference for everything related to Indian Overseas Bank's R O BERHAMPUR branch in BERHAMPUR, ODISHA. The branch's IFSC code IOBA0002006 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, IOBA0002006 is the IFSC of Indian Overseas Bank's R O BERHAMPUR branch. The format is fixed: IOBA = bank code, 0 = reserved, 002006 = branch identifier.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its R O Berhampur branch in Berhampur, Odisha is part of this network and uses the IFSC code IOBA0002006 for all electronic settlement.
About this branch
The branch is located at POST BOX NO 4 DOOR NO NIL,CHURCH ROAD GANJAM DISTRICT BERHAMPUR PINCODE 760001. It serves the Berhampur 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 IOBA0002006 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | R O Berhampur |
| IFSC Code | IOBA0002006 |
| MICR Code | Refer to cheque leaf |
| Branch Address | POST BOX NO 4 DOOR NO NIL,CHURCH ROAD GANJAM DISTRICT BERHAMPUR PINCODE 760001 |
| City | Berhampur |
| District | Baleshwar |
| State | Odisha |
| STD Code | 44 |
| Phone | 28584896 |
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 R O BERHAMPUR branch came to be assigned the code IOBA0002006.
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 IOBA0002006, money simply cannot be routed to the R O BERHAMPUR branch electronically.
MICR & cheque-truncation details
Cheques drawn on the R O Berhampur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0002006 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 IOBA0002006
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 IOBA0002006 across all three.
NEFT to Indian Overseas Bank, R O BERHAMPUR using IFSC IOBA0002006
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 IOBA0002006, and confirm that the system picks up Indian Overseas Bank – R O BERHAMPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to R O BERHAMPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's R O BERHAMPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0002006 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 – R O BERHAMPUR, use IMPS. With IFSC IOBA0002006 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 IOBA0002006 for Indian Overseas Bank – R O BERHAMPUR, 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 – IOBA0002006 | Yes – IOBA0002006 | Yes – IOBA0002006 |
For most retail customers crediting the R O Berhampur 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 IOBA0002006
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 – R O BERHAMPUR is still mapped to IFSC IOBA0002006. 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 IOBA0002006 and the beneficiary's account number to complete the transfer.
Account types you can open at the R O Berhampur branch
Once you have an account at Indian Overseas Bank – R O BERHAMPUR, the IFSC IOBA0002006 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 R O Berhampur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-28584896.
- 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 IOBA0002006
Digital banking channels
Most day-to-day work that customers used to do at the R O Berhampur 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 IOBA0002006 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 R O Berhampur branch sits at POST BOX NO 4 DOOR NO NIL,CHURCH ROAD GANJAM DISTRICT BERHAMPUR PINCODE 760001. If you are travelling from outside Berhampur, search for the branch on a maps application using the bank name and locality, or call 44-28584896 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 IOBA0002006 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 – R O BERHAMPUR:
- The IFSC is exactly IOBA0002006 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 R O BERHAMPUR 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 R O Berhampur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0002006, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0002006 for Indian Overseas Bank – R O BERHAMPUR, 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 BankR O Berhampur Branch
POST BOX NO 4 DOOR NO NIL,CHURCH ROAD GANJAM DISTRICT BERHAMPUR PINCODE 760001
Berhampur, Odisha
Phone: 44-28584896
IFSC: IOBA0002006
Frequently asked questions
How do I add Indian Overseas Bank R O Berhampur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0002006, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0002006 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0002006 to send funds instantly.
Is IFSC IOBA0002006 valid for NEFT and RTGS?
Yes. IFSC IOBA0002006 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Overseas Bank R O Berhampur branch?
The IFSC code of Indian Overseas Bank, R O Berhampur branch is IOBA0002006. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 R O Berhampur branch but serve different purposes.
What is the phone number of Indian Overseas Bank R O Berhampur branch?
You can reach the branch at 44-28584896 during regular banking hours.
Final notes
To recap: IOBA0002006 is the IFSC code of Indian Overseas Bank, R O BERHAMPUR branch, in BERHAMPUR, 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.
