If you are searching for the IFSC code of Indian Overseas Bank, OGB - CHATRAPUR branch in CHATRAPUR, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0GB8018. 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 - CHATRAPUR branch, and detailed step-by-step guides for using the IFSC IOBA0GB8018 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.
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 - CHATRAPUR is IOBA0GB8018. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB8018 map to this branch in CHATRAPUR, ODISHA.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Chatrapur |
| IFSC Code | IOBA0GB8018 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-CHATRAPUR, VIA-CHATRAPUR,DIST-GANJAM,PIN-761020 |
| City | Chatrapur |
| District | Berhampur |
| State | Odisha |
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ogb - Chatrapur branch — IFSC IOBA0GB8018 — extends the bank's services to customers in and around Chatrapur, Odisha.
About the Ogb - Chatrapur branch
The Ogb - Chatrapur branch of Indian Overseas Bank is situated at AT/PO-CHATRAPUR, VIA-CHATRAPUR,DIST-GANJAM,PIN-761020. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0GB8018 is used.
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 - CHATRAPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB8018 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 IOBA0GB8018 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0GB8018
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 IOBA0GB8018 across all three.
How to use IFSC IOBA0GB8018 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's OGB - CHATRAPUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0GB8018.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as OGB - CHATRAPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to OGB - CHATRAPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB - CHATRAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB8018 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 - CHATRAPUR, use IMPS. With IFSC IOBA0GB8018 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 IOBA0GB8018 for Indian Overseas Bank – OGB - CHATRAPUR, 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 – IOBA0GB8018 | Yes – IOBA0GB8018 | Yes – IOBA0GB8018 |
For most retail customers crediting the Ogb - Chatrapur 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 OGB - CHATRAPUR branch, the IFSC IOBA0GB8018 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.
Account types you can open at the Ogb - Chatrapur branch
Once you have an account at Indian Overseas Bank – OGB - CHATRAPUR, the IFSC IOBA0GB8018 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 Ogb - Chatrapur 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 IOBA0GB8018
MICR & cheque-truncation details
Cheques drawn on the Ogb - Chatrapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB8018 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0GB8018
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - CHATRAPUR 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 IOBA0GB8018 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.
Common mistakes to avoid when using IFSC IOBA0GB8018
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 - CHATRAPUR, 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:
IOBA0GB8018. - 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 - Chatrapur branch
The branch is located at AT/PO-CHATRAPUR, VIA-CHATRAPUR,DIST-GANJAM,PIN-761020, which puts it inside Chatrapur, the broader Berhampur district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb - Chatrapur branch” — the verified location pin for IFSC IOBA0GB8018 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 IOBA0GB8018 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0GB8018 for Indian Overseas Bank – OGB - CHATRAPUR, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Ogb - Chatrapur 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 IOBA0GB8018 continue to work without interruption.
Branch address & contact
Indian Overseas BankOgb - Chatrapur Branch
AT/PO-CHATRAPUR, VIA-CHATRAPUR,DIST-GANJAM,PIN-761020
Chatrapur, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8018
Frequently asked questions
How do I add Indian Overseas Bank Ogb - Chatrapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8018, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0GB8018 the same for all accounts at Ogb - Chatrapur branch?
Yes. The IFSC IOBA0GB8018 is shared by every account held at Indian Overseas Bank's Ogb - Chatrapur branch. Only the account number changes from customer to customer.
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 - Chatrapur branch but serve different purposes.
Is IFSC IOBA0GB8018 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB8018 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Ogb - Chatrapur branch located?
Indian Overseas Bank's Ogb - Chatrapur branch is located at AT/PO-CHATRAPUR, VIA-CHATRAPUR,DIST-GANJAM,PIN-761020, Chatrapur, Odisha.
What is the phone number of Indian Overseas Bank Ogb - Chatrapur branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using IOBA0GB8018 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Chatrapur reflect within 30 minutes.
Summary
The IFSC code IOBA0GB8018 belongs to Indian Overseas Bank's OGB - CHATRAPUR branch, located at AT/PO-CHATRAPUR, VIA-CHATRAPUR,DIST-GANJAM,PIN-761020 in CHATRAPUR, 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.
