If you are searching for the IFSC code of Indian Overseas Bank, OGB -BINJHARPUR branch in BINJHARPUR, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0GB4204. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the OGB -BINJHARPUR branch, and detailed step-by-step guides for using the IFSC IOBA0GB4204 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, IOBA0GB4204 is the IFSC of Indian Overseas Bank's OGB -BINJHARPUR branch. The format is fixed: IOBA = bank code, 0 = reserved, GB4204 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb -Binjharpur branch in Binjharpur. 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, IOBA0GB4204.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Binjharpur |
| IFSC Code | IOBA0GB4204 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT BIRAJAMARKETCOMPLEX, PO JARAKA, DIST JAJPUR, PIN 755050 |
| City | Binjharpur |
| District | Jajpur |
| State | Odisha |
About this branch
The branch is located at AT BIRAJAMARKETCOMPLEX, PO JARAKA, DIST JAJPUR, PIN 755050. It serves the Binjharpur 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 IOBA0GB4204 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 OGB -BINJHARPUR branch came to be assigned the code IOBA0GB4204.
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 IOBA0GB4204, money simply cannot be routed to the OGB -BINJHARPUR branch electronically.
Products and account variants supported
Every account opened at the Ogb -Binjharpur branch is mapped to IFSC IOBA0GB4204 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 IOBA0GB4204.
Products and services
Customers walking into the Ogb -Binjharpur 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 IOBA0GB4204
How to transfer money using IFSC IOBA0GB4204
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 IOBA0GB4204 across all three.
NEFT to Indian Overseas Bank, OGB -BINJHARPUR using IFSC IOBA0GB4204
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 IOBA0GB4204, and confirm that the system picks up Indian Overseas Bank – OGB -BINJHARPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB4204
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 -BINJHARPUR, ensure your bank's portal accepts IFSC IOBA0GB4204 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank OGB -BINJHARPUR (IFSC IOBA0GB4204)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB4204 in your mobile or internet banking app, and the money is credited to the OGB -BINJHARPUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ogb -Binjharpur
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0GB4204:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at OGB -BINJHARPUR is still linked to IFSC IOBA0GB4204.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC IOBA0GB4204
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 -BINJHARPUR is still mapped to IFSC IOBA0GB4204. 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 IOBA0GB4204 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0GB4204
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB -BINJHARPUR 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 IOBA0GB4204 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 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 IOBA0GB4204 and the account number together uniquely identify the Ogb -Binjharpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – OGB -BINJHARPUR:
- The IFSC is exactly IOBA0GB4204 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 OGB -BINJHARPUR 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.
Reaching the branch
The Ogb -Binjharpur branch sits at AT BIRAJAMARKETCOMPLEX, PO JARAKA, DIST JAJPUR, PIN 755050. If you are travelling from outside Binjharpur, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 IOBA0GB4204 and your account number.
Verifying IFSC IOBA0GB4204 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 IOBA0GB4204 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 -Binjharpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB4204, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb -Binjharpur Branch
AT BIRAJAMARKETCOMPLEX, PO JARAKA, DIST JAJPUR, PIN 755050
Binjharpur, Odisha
Phone: the branch contact number
IFSC: IOBA0GB4204
Frequently asked questions
How quickly will an NEFT transfer using IOBA0GB4204 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Binjharpur reflect within 30 minutes.
Does Indian Overseas Bank Ogb -Binjharpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC IOBA0GB4204 the same for all accounts at Ogb -Binjharpur branch?
Yes. The IFSC IOBA0GB4204 is shared by every account held at Indian Overseas Bank's Ogb -Binjharpur branch. Only the account number changes from customer to customer.
What is the IFSC code of Indian Overseas Bank Ogb -Binjharpur branch?
The IFSC code of Indian Overseas Bank, Ogb -Binjharpur branch is IOBA0GB4204. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0GB4204 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB4204 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Ogb -Binjharpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB4204, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Indian Overseas Bank Ogb -Binjharpur 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 -Binjharpur branch but serve different purposes.
Summary
The IFSC code IOBA0GB4204 belongs to Indian Overseas Bank's OGB -BINJHARPUR branch, located at AT BIRAJAMARKETCOMPLEX, PO JARAKA, DIST JAJPUR, PIN 755050 in BINJHARPUR, 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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