Below are the complete branch details for Indian Overseas Bank, OGB -BILAHAT branch, located in BILAHAT, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0GB4047. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0GB4047 for Indian Overseas Bank – OGB -BILAHAT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IOBA0GB4047 is the IFSC of Indian Overseas Bank's OGB -BILAHAT branch. The format is fixed: IOBA = bank code, 0 = reserved, GB4047 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Bilahat |
| IFSC Code | IOBA0GB4047 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT-BILAHATPOST-TENDAKUDA,DISTRICT-CUTTACK,PIN-754152 |
| City | Bilahat |
| District | Cuttack |
| State | Odisha |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb -Bilahat branch in Bilahat. 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, IOBA0GB4047.
Ogb -Bilahat branch overview
Located at AT-BILAHATPOST-TENDAKUDA,DISTRICT-CUTTACK,PIN-754152, the Ogb -Bilahat branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB4047 is required for all interbank electronic transfers routed through this branch.
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 -BILAHAT branch came to be assigned the code IOBA0GB4047.
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 IOBA0GB4047, money simply cannot be routed to the OGB -BILAHAT branch electronically.
How to transfer money using IFSC IOBA0GB4047
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 IOBA0GB4047 across all three.
NEFT to Indian Overseas Bank, OGB -BILAHAT using IFSC IOBA0GB4047
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 IOBA0GB4047, and confirm that the system picks up Indian Overseas Bank – OGB -BILAHAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB4047
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 -BILAHAT, ensure your bank's portal accepts IFSC IOBA0GB4047 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank OGB -BILAHAT (IFSC IOBA0GB4047)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB4047 in your mobile or internet banking app, and the money is credited to the OGB -BILAHAT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB4047 for Indian Overseas Bank – OGB -BILAHAT, 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 – IOBA0GB4047 | Yes – IOBA0GB4047 | Yes – IOBA0GB4047 |
For most retail customers crediting the Ogb -Bilahat 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 IOBA0GB4047
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 – OGB -BILAHAT is still mapped to IFSC IOBA0GB4047. 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 IOBA0GB4047 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ogb -Bilahat branch is mapped to IFSC IOBA0GB4047 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 IOBA0GB4047.
Banking services available
The Ogb -Bilahat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 IOBA0GB4047
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 IOBA0GB4047 and the account number together uniquely identify the Ogb -Bilahat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Ogb -Bilahat 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 IOBA0GB4047 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.
Common mistakes to avoid when using IFSC IOBA0GB4047
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 -BILAHAT, 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:
IOBA0GB4047. - 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 -Bilahat branch
The branch is located at AT-BILAHATPOST-TENDAKUDA,DISTRICT-CUTTACK,PIN-754152, which puts it inside Bilahat, the broader Cuttack district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Bilahat branch” — the verified location pin for IFSC IOBA0GB4047 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 IOBA0GB4047 and your account number.
Verifying IFSC IOBA0GB4047 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 IOBA0GB4047 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 -Bilahat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB4047, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb -Bilahat Branch
AT-BILAHATPOST-TENDAKUDA,DISTRICT-CUTTACK,PIN-754152
Bilahat, Odisha
Phone: the branch contact number
IFSC: IOBA0GB4047
Frequently asked questions
Where is Indian Overseas Bank Ogb -Bilahat branch located?
Indian Overseas Bank's Ogb -Bilahat branch is located at AT-BILAHATPOST-TENDAKUDA,DISTRICT-CUTTACK,PIN-754152, Bilahat, Odisha.
How do I add Indian Overseas Bank Ogb -Bilahat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB4047, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Ogb -Bilahat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the IFSC code of Indian Overseas Bank Ogb -Bilahat branch?
The IFSC code of Indian Overseas Bank, Ogb -Bilahat branch is IOBA0GB4047. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0GB4047 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB4047 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC IOBA0GB4047 the same for all accounts at Ogb -Bilahat branch?
Yes. The IFSC IOBA0GB4047 is shared by every account held at Indian Overseas Bank's Ogb -Bilahat branch. Only the account number changes from customer to customer.
What is the phone number of Indian Overseas Bank Ogb -Bilahat branch?
You can reach the branch at the branch contact number during regular banking hours.
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 -Bilahat branch but serve different purposes.
Final notes
To recap: IOBA0GB4047 is the IFSC code of Indian Overseas Bank, OGB -BILAHAT branch, in BILAHAT, 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.
