Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB -CHILIDA branch in CHILIDA, ODISHA. The branch's IFSC code IOBA0GB2041 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's OGB -CHILIDA branch, the IFSC IOBA0GB2041 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and GB2041 identifies this particular branch.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb -Chilida branch in Chilida. 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, IOBA0GB2041.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Chilida |
| IFSC Code | IOBA0GB2041 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-CHILIDAVIA-TURUMUNGA,DIST-KEONJHAR, PIN-758046, |
| City | Chilida |
| District | Keonjhar |
| State | Odisha |
About this branch
The branch is located at AT/PO-CHILIDAVIA-TURUMUNGA,DIST-KEONJHAR, PIN-758046,. It serves the Chilida 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 IOBA0GB2041 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 -CHILIDA branch came to be assigned the code IOBA0GB2041.
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 IOBA0GB2041, money simply cannot be routed to the OGB -CHILIDA branch electronically.
Products and account variants supported
Every account opened at the Ogb -Chilida branch is mapped to IFSC IOBA0GB2041 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 IOBA0GB2041.
Products and services
Customers walking into the Ogb -Chilida 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 IOBA0GB2041
How to transfer money using IFSC IOBA0GB2041
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 IOBA0GB2041 across all three.
How to use IFSC IOBA0GB2041 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's OGB -CHILIDA 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 IOBA0GB2041.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as OGB -CHILIDA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0GB2041
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 -CHILIDA, ensure your bank's portal accepts IFSC IOBA0GB2041 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 -CHILIDA, use IMPS. With IFSC IOBA0GB2041 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 IOBA0GB2041 for Indian Overseas Bank – OGB -CHILIDA, 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 – IOBA0GB2041 | Yes – IOBA0GB2041 | Yes – IOBA0GB2041 |
For most retail customers crediting the Ogb -Chilida 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 IOBA0GB2041
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 -CHILIDA is still mapped to IFSC IOBA0GB2041. 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 IOBA0GB2041 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Ogb -Chilida 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 IOBA0GB2041 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 & cheque-truncation details
Cheques drawn on the Ogb -Chilida branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB2041 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0GB2041
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 -CHILIDA, 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:
IOBA0GB2041. - 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 -Chilida branch
The branch is located at AT/PO-CHILIDAVIA-TURUMUNGA,DIST-KEONJHAR, PIN-758046,, which puts it inside Chilida, the broader Keonjhar district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Chilida branch” — the verified location pin for IFSC IOBA0GB2041 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 IOBA0GB2041 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0GB2041 for Indian Overseas Bank – OGB -CHILIDA, 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.
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 -Chilida branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB2041, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb -Chilida Branch
AT/PO-CHILIDAVIA-TURUMUNGA,DIST-KEONJHAR, PIN-758046,
Chilida, Odisha
Phone: the branch contact number
IFSC: IOBA0GB2041
Frequently asked questions
What is the IFSC code of Indian Overseas Bank Ogb -Chilida branch?
The IFSC code of Indian Overseas Bank, Ogb -Chilida branch is IOBA0GB2041. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Indian Overseas Bank Ogb -Chilida as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB2041, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0GB2041 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB2041 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Indian Overseas Bank Ogb -Chilida branch located?
Indian Overseas Bank's Ogb -Chilida branch is located at AT/PO-CHILIDAVIA-TURUMUNGA,DIST-KEONJHAR, PIN-758046,, Chilida, Odisha.
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 -Chilida branch but serve different purposes.
Does Indian Overseas Bank Ogb -Chilida 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 IOBA0GB2041 the same for all accounts at Ogb -Chilida branch?
Yes. The IFSC IOBA0GB2041 is shared by every account held at Indian Overseas Bank's Ogb -Chilida branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0GB2041 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Chilida reflect within 30 minutes.
Summary
The IFSC code IOBA0GB2041 belongs to Indian Overseas Bank's OGB -CHILIDA branch, located at AT/PO-CHILIDAVIA-TURUMUNGA,DIST-KEONJHAR, PIN-758046, in CHILIDA, 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.
