Use this page as a one-stop reference for everything related to Indian Overseas Bank's R O BHUBANESWAR branch in BHUBANESWAR, ODISHA. The branch's IFSC code IOBA0000815 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 – R O BHUBANESWAR is IOBA0000815. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000815 map to this branch in BHUBANESWAR, ODISHA.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the R O Bhubaneswar branch in Bhubaneswar. 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, IOBA0000815.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | R O Bhubaneswar |
| IFSC Code | IOBA0000815 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO B BY 2,WEST,SAHID NAGAR BHUBANESHWAR,KHURDA DT PIN CODE 751007 |
| City | Bhubaneswar |
| District | Khurda |
| State | Odisha |
| STD Code | 44 |
| Phone | 28584896 |
About this branch
The branch is located at DOOR NO B BY 2,WEST,SAHID NAGAR BHUBANESHWAR,KHURDA DT PIN CODE 751007. It serves the Bhubaneswar 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 IOBA0000815 is used to identify this branch on the RBI payments network.
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 BHUBANESWAR branch came to be assigned the code IOBA0000815.
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 IOBA0000815, money simply cannot be routed to the R O BHUBANESWAR branch electronically.
Account types you can open at the R O Bhubaneswar branch
Once you have an account at Indian Overseas Bank – R O BHUBANESWAR, the IFSC IOBA0000815 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.
Products and services
Customers walking into the R O Bhubaneswar 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 IOBA0000815
How to transfer money using IFSC IOBA0000815
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 IOBA0000815 across all three.
NEFT to Indian Overseas Bank, R O BHUBANESWAR using IFSC IOBA0000815
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 IOBA0000815, and confirm that the system picks up Indian Overseas Bank – R O BHUBANESWAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0000815
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 – R O BHUBANESWAR, ensure your bank's portal accepts IFSC IOBA0000815 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank R O BHUBANESWAR (IFSC IOBA0000815)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0000815 in your mobile or internet banking app, and the money is credited to the R O BHUBANESWAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000815 for Indian Overseas Bank – R O BHUBANESWAR, 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 – IOBA0000815 | Yes – IOBA0000815 | Yes – IOBA0000815 |
For most retail customers crediting the R O Bhubaneswar 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 R O BHUBANESWAR branch, the IFSC IOBA0000815 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.
Digital banking channels
Most day-to-day work that customers used to do at the R O Bhubaneswar 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 IOBA0000815 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.
MICR & cheque-truncation details
Cheques drawn on the R O Bhubaneswar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000815 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 IOBA0000815
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 – R O BHUBANESWAR, 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:
IOBA0000815. - 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 R O Bhubaneswar branch
The branch is located at DOOR NO B BY 2,WEST,SAHID NAGAR BHUBANESHWAR,KHURDA DT PIN CODE 751007, which puts it inside Bhubaneswar, the broader Khurda district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank R O Bhubaneswar branch” — the verified location pin for IFSC IOBA0000815 should appear at the top of the results.
- Confirm the branch is open by calling 44-28584896 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 IOBA0000815 and your account number.
Verifying IFSC IOBA0000815 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 IOBA0000815 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 44-28584896.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at R O Bhubaneswar 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 IOBA0000815 continue to work without interruption.
Branch address & contact
Indian Overseas BankR O Bhubaneswar Branch
DOOR NO B BY 2,WEST,SAHID NAGAR BHUBANESHWAR,KHURDA DT PIN CODE 751007
Bhubaneswar, Odisha
Phone: 44-28584896
IFSC: IOBA0000815
Frequently asked questions
How quickly will an NEFT transfer using IOBA0000815 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – R O Bhubaneswar reflect within 30 minutes.
Is IFSC IOBA0000815 valid for NEFT and RTGS?
Yes. IFSC IOBA0000815 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IOBA0000815 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000815 to send funds instantly.
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 Bhubaneswar branch but serve different purposes.
Where is Indian Overseas Bank R O Bhubaneswar branch located?
Indian Overseas Bank's R O Bhubaneswar branch is located at DOOR NO B BY 2,WEST,SAHID NAGAR BHUBANESHWAR,KHURDA DT PIN CODE 751007, Bhubaneswar, Odisha.
What is the phone number of Indian Overseas Bank R O Bhubaneswar branch?
You can reach the branch at 44-28584896 during regular banking hours.
Is IFSC IOBA0000815 the same for all accounts at R O Bhubaneswar branch?
Yes. The IFSC IOBA0000815 is shared by every account held at Indian Overseas Bank's R O Bhubaneswar branch. Only the account number changes from customer to customer.
Does Indian Overseas Bank R O Bhubaneswar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 44-28584896 to confirm.
Summary
The IFSC code IOBA0000815 belongs to Indian Overseas Bank's R O BHUBANESWAR branch, located at DOOR NO B BY 2,WEST,SAHID NAGAR BHUBANESHWAR,KHURDA DT PIN CODE 751007 in BHUBANESWAR, 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.
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