If you are searching for the IFSC code of Indian Overseas Bank, OGB -GODIPADA branch in GODIPADA, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0GB0041. 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 -GODIPADA branch, and detailed step-by-step guides for using the IFSC IOBA0GB0041 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 -GODIPADA is IOBA0GB0041. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB0041 map to this branch in GODIPADA, ODISHA.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ogb -Godipada branch — IFSC IOBA0GB0041 — extends the bank's services to customers in and around Godipada, Odisha.
Ogb -Godipada branch overview
Located at ODISHAGRAMEENBANK,GODIPADABRANCH,AT/PO-GODIPADA,DIST NAYAGARHPIN-752092,, the Ogb -Godipada branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB0041 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Godipada |
| IFSC Code | IOBA0GB0041 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ODISHAGRAMEENBANK,GODIPADABRANCH,AT/PO-GODIPADA,DIST NAYAGARHPIN-752092, |
| City | Godipada |
| District | Nayagarh |
| State | Odisha |
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 -GODIPADA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB0041 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 IOBA0GB0041 the same way you would treat your account number — verify it once and save it carefully for future use.
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 IOBA0GB0041 and the account number together uniquely identify the Ogb -Godipada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0GB0041
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 IOBA0GB0041 across all three.
How to use IFSC IOBA0GB0041 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's OGB -GODIPADA 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 IOBA0GB0041.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as OGB -GODIPADA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0GB0041
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 -GODIPADA, ensure your bank's portal accepts IFSC IOBA0GB0041 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 -GODIPADA, use IMPS. With IFSC IOBA0GB0041 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 IOBA0GB0041 for Indian Overseas Bank – OGB -GODIPADA, 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 – IOBA0GB0041 | Yes – IOBA0GB0041 | Yes – IOBA0GB0041 |
For most retail customers crediting the Ogb -Godipada 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 -GODIPADA branch, the IFSC IOBA0GB0041 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.
Products and account variants supported
Every account opened at the Ogb -Godipada branch is mapped to IFSC IOBA0GB0041 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 IOBA0GB0041.
Banking services available
The Ogb -Godipada 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 IOBA0GB0041
Online banking and IFSC IOBA0GB0041
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB -GODIPADA 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 IOBA0GB0041 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 -Godipada branch sits at ODISHAGRAMEENBANK,GODIPADABRANCH,AT/PO-GODIPADA,DIST NAYAGARHPIN-752092,. If you are travelling from outside Godipada, 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 IOBA0GB0041 and your account number.
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 -GODIPADA:
- The IFSC is exactly IOBA0GB0041 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 -GODIPADA 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.
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 -Godipada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB0041, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0GB0041 for Indian Overseas Bank – OGB -GODIPADA, 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 address & contact
Indian Overseas BankOgb -Godipada Branch
ODISHAGRAMEENBANK,GODIPADABRANCH,AT/PO-GODIPADA,DIST NAYAGARHPIN-752092,
Godipada, Odisha
Phone: the branch contact number
IFSC: IOBA0GB0041
Frequently asked questions
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 -Godipada branch but serve different purposes.
Where is Indian Overseas Bank Ogb -Godipada branch located?
Indian Overseas Bank's Ogb -Godipada branch is located at ODISHAGRAMEENBANK,GODIPADABRANCH,AT/PO-GODIPADA,DIST NAYAGARHPIN-752092,, Godipada, Odisha.
Is IFSC IOBA0GB0041 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB0041 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Ogb -Godipada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB0041, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using IOBA0GB0041 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Godipada reflect within 30 minutes.
Is IFSC IOBA0GB0041 the same for all accounts at Ogb -Godipada branch?
Yes. The IFSC IOBA0GB0041 is shared by every account held at Indian Overseas Bank's Ogb -Godipada branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0GB0041 belongs to Indian Overseas Bank's OGB -GODIPADA branch, located at ODISHAGRAMEENBANK,GODIPADABRANCH,AT/PO-GODIPADA,DIST NAYAGARHPIN-752092, in GODIPADA, 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.
