Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB - CHALANGUDA branch in BORIGUMA, ODISHA. The branch's IFSC code IOBA0GB8305 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 – OGB - CHALANGUDA is IOBA0GB8305. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB8305 map to this branch in BORIGUMA, ODISHA.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ogb - Chalanguda branch in Boriguma, Odisha is part of this network and uses the IFSC code IOBA0GB8305 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Chalanguda |
| IFSC Code | IOBA0GB8305 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ODISHA GRAMEEN BANK CHALANGUDA BRANCH AT- MIRGANIGUDA PO- JHUJARI DIST- KORAPUT,PIN-764063 |
| City | Boriguma |
| District | Jeypore |
| State | Odisha |
About this branch
The branch is located at ODISHA GRAMEEN BANK CHALANGUDA BRANCH AT- MIRGANIGUDA PO- JHUJARI DIST- KORAPUT,PIN-764063. It serves the Boriguma 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 IOBA0GB8305 is used to identify this branch on the RBI payments network.
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 OGB - CHALANGUDA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB8305 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 IOBA0GB8305 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ogb - Chalanguda branch is mapped to IFSC IOBA0GB8305 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 IOBA0GB8305.
Banking services available
The Ogb - Chalanguda 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 IOBA0GB8305
How to transfer money using IFSC IOBA0GB8305
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 IOBA0GB8305 across all three.
NEFT to Indian Overseas Bank, OGB - CHALANGUDA using IFSC IOBA0GB8305
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 IOBA0GB8305, and confirm that the system picks up Indian Overseas Bank – OGB - CHALANGUDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB8305
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 - CHALANGUDA, ensure your bank's portal accepts IFSC IOBA0GB8305 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – OGB - CHALANGUDA, use IMPS. With IFSC IOBA0GB8305 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Ogb - Chalanguda
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 IOBA0GB8305:
- 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 - CHALANGUDA is still linked to IFSC IOBA0GB8305.
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.
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 OGB - CHALANGUDA branch, the IFSC IOBA0GB8305 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 Ogb - Chalanguda 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 IOBA0GB8305 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 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 IOBA0GB8305 and the account number together uniquely identify the Ogb - Chalanguda 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 - CHALANGUDA:
- The IFSC is exactly IOBA0GB8305 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 - CHALANGUDA 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.
How to reach the Ogb - Chalanguda branch
The branch is located at ODISHA GRAMEEN BANK CHALANGUDA BRANCH AT- MIRGANIGUDA PO- JHUJARI DIST- KORAPUT,PIN-764063, which puts it inside Boriguma, the broader Jeypore district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb - Chalanguda branch” — the verified location pin for IFSC IOBA0GB8305 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 IOBA0GB8305 and your account number.
Verifying IFSC IOBA0GB8305 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 IOBA0GB8305 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 - Chalanguda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB8305, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb - Chalanguda Branch
ODISHA GRAMEEN BANK CHALANGUDA BRANCH AT- MIRGANIGUDA PO- JHUJARI DIST- KORAPUT,PIN-764063
Boriguma, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8305
Frequently asked questions
What is the phone number of Indian Overseas Bank Ogb - Chalanguda branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add Indian Overseas Bank Ogb - Chalanguda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8305, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0GB8305 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Chalanguda reflect within 30 minutes.
Does Indian Overseas Bank Ogb - Chalanguda branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Indian Overseas Bank Ogb - Chalanguda branch located?
Indian Overseas Bank's Ogb - Chalanguda branch is located at ODISHA GRAMEEN BANK CHALANGUDA BRANCH AT- MIRGANIGUDA PO- JHUJARI DIST- KORAPUT,PIN-764063, Boriguma, Odisha.
Is IFSC IOBA0GB8305 the same for all accounts at Ogb - Chalanguda branch?
Yes. The IFSC IOBA0GB8305 is shared by every account held at Indian Overseas Bank's Ogb - Chalanguda branch. Only the account number changes from customer to customer.
Can I use IFSC IOBA0GB8305 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8305 to send funds instantly.
What is the IFSC code of Indian Overseas Bank Ogb - Chalanguda branch?
The IFSC code of Indian Overseas Bank, Ogb - Chalanguda branch is IOBA0GB8305. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0GB8305 belongs to Indian Overseas Bank's OGB - CHALANGUDA branch, located at ODISHA GRAMEEN BANK CHALANGUDA BRANCH AT- MIRGANIGUDA PO- JHUJARI DIST-… in BORIGUMA, 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.
