Below are the complete branch details for Indian Overseas Bank, OGB - CHANDANBHATI branch, located in CHANDANBHATI, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0GB8480. 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 IOBA0GB8480 for Indian Overseas Bank – OGB - CHANDANBHATI — 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, IOBA0GB8480 is the IFSC of Indian Overseas Bank's OGB - CHANDANBHATI branch. The format is fixed: IOBA = bank code, 0 = reserved, GB8480 = 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 Ogb - Chandanbhati branch in Chandanbhati, Odisha is part of this network and uses the IFSC code IOBA0GB8480 for all electronic settlement.
About this branch
The branch is located at AT/PO-CHANDANBHATI,DIST-BALANGIR,DIST-BALANGIR,PIN-767065. It serves the Chandanbhati 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 IOBA0GB8480 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Chandanbhati |
| IFSC Code | IOBA0GB8480 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-CHANDANBHATI,DIST-BALANGIR,DIST-BALANGIR,PIN-767065 |
| City | Chandanbhati |
| District | Bolangir |
| State | Odisha |
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 - CHANDANBHATI branch came to be assigned the code IOBA0GB8480.
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 IOBA0GB8480, money simply cannot be routed to the OGB - CHANDANBHATI branch electronically.
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 IOBA0GB8480 and the account number together uniquely identify the Ogb - Chandanbhati branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0GB8480
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 IOBA0GB8480 across all three.
NEFT to Indian Overseas Bank, OGB - CHANDANBHATI using IFSC IOBA0GB8480
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 IOBA0GB8480, and confirm that the system picks up Indian Overseas Bank – OGB - CHANDANBHATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to OGB - CHANDANBHATI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB - CHANDANBHATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB8480 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 – OGB - CHANDANBHATI, use IMPS. With IFSC IOBA0GB8480 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 IOBA0GB8480 for Indian Overseas Bank – OGB - CHANDANBHATI, 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 – IOBA0GB8480 | Yes – IOBA0GB8480 | Yes – IOBA0GB8480 |
For most retail customers crediting the Ogb - Chandanbhati 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 IOBA0GB8480
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 - CHANDANBHATI is still mapped to IFSC IOBA0GB8480. 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 IOBA0GB8480 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ogb - Chandanbhati branch
Once you have an account at Indian Overseas Bank – OGB - CHANDANBHATI, the IFSC IOBA0GB8480 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 Ogb - Chandanbhati 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 IOBA0GB8480
Online banking and IFSC IOBA0GB8480
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - CHANDANBHATI 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 IOBA0GB8480 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.
Reaching the branch
The Ogb - Chandanbhati branch sits at AT/PO-CHANDANBHATI,DIST-BALANGIR,DIST-BALANGIR,PIN-767065. If you are travelling from outside Chandanbhati, 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 IOBA0GB8480 and your account number.
Common mistakes to avoid when using IFSC IOBA0GB8480
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 - CHANDANBHATI, 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:
IOBA0GB8480. - 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.
Working hours
Branch counters at Ogb - Chandanbhati 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 IOBA0GB8480 continue to work without interruption.
Verifying IFSC IOBA0GB8480 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 IOBA0GB8480 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 address & contact
Indian Overseas BankOgb - Chandanbhati Branch
AT/PO-CHANDANBHATI,DIST-BALANGIR,DIST-BALANGIR,PIN-767065
Chandanbhati, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8480
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Ogb - Chandanbhati branch?
The IFSC code of Indian Overseas Bank, Ogb - Chandanbhati branch is IOBA0GB8480. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Ogb - Chandanbhati 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 phone number of Indian Overseas Bank Ogb - Chandanbhati branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using IOBA0GB8480 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Chandanbhati reflect within 30 minutes.
Is IFSC IOBA0GB8480 the same for all accounts at Ogb - Chandanbhati branch?
Yes. The IFSC IOBA0GB8480 is shared by every account held at Indian Overseas Bank's Ogb - Chandanbhati branch. Only the account number changes from customer to customer.
Is IFSC IOBA0GB8480 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB8480 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IOBA0GB8480 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8480 to send funds instantly.
Summary
The IFSC code IOBA0GB8480 belongs to Indian Overseas Bank's OGB - CHANDANBHATI branch, located at AT/PO-CHANDANBHATI,DIST-BALANGIR,DIST-BALANGIR,PIN-767065 in CHANDANBHATI, 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.
