Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB - HATIBANDHA branch in HATIBANDHA, ODISHA. The branch's IFSC code IOBA0GB8196 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.
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, IOBA0GB8196 is the IFSC of Indian Overseas Bank's OGB - HATIBANDHA branch. The format is fixed: IOBA = bank code, 0 = reserved, GB8196 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ogb - Hatibandha branch — IFSC IOBA0GB8196 — extends the bank's services to customers in and around Hatibandha, Odisha.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Hatibandha |
| IFSC Code | IOBA0GB8196 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-HATIBANDHA,DIST-NUAPADA,PIN-766108 |
| City | Hatibandha |
| District | Nuapada |
| State | Odisha |
| STD Code | 0 |
| Phone | 0 |
Ogb - Hatibandha branch overview
Located at AT/PO-HATIBANDHA,DIST-NUAPADA,PIN-766108, the Ogb - Hatibandha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB8196 is required for all interbank electronic transfers routed through this branch.
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 - HATIBANDHA branch came to be assigned the code IOBA0GB8196.
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 IOBA0GB8196, money simply cannot be routed to the OGB - HATIBANDHA branch electronically.
Products and account variants supported
Every account opened at the Ogb - Hatibandha branch is mapped to IFSC IOBA0GB8196 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 IOBA0GB8196.
Banking services available
The Ogb - Hatibandha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- 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 IOBA0GB8196
How to transfer money using IFSC IOBA0GB8196
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 IOBA0GB8196 across all three.
NEFT to Indian Overseas Bank, OGB - HATIBANDHA using IFSC IOBA0GB8196
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 IOBA0GB8196, and confirm that the system picks up Indian Overseas Bank – OGB - HATIBANDHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB8196
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 - HATIBANDHA, ensure your bank's portal accepts IFSC IOBA0GB8196 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank OGB - HATIBANDHA (IFSC IOBA0GB8196)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB8196 in your mobile or internet banking app, and the money is credited to the OGB - HATIBANDHA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ogb - Hatibandha
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 IOBA0GB8196:
- 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 - HATIBANDHA is still linked to IFSC IOBA0GB8196.
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.
UPI payments and IFSC IOBA0GB8196
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 - HATIBANDHA is still mapped to IFSC IOBA0GB8196. 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 IOBA0GB8196 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 - Hatibandha 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 IOBA0GB8196 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 - Hatibandha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB8196 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 - HATIBANDHA:
- The IFSC is exactly IOBA0GB8196 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 - HATIBANDHA 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 - Hatibandha branch
The branch is located at AT/PO-HATIBANDHA,DIST-NUAPADA,PIN-766108, which puts it inside Hatibandha, the broader Nuapada district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb - Hatibandha branch” — the verified location pin for IFSC IOBA0GB8196 should appear at the top of the results.
- Confirm the branch is open by calling 0 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 IOBA0GB8196 and your account number.
Verifying IFSC IOBA0GB8196 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 IOBA0GB8196 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ogb - Hatibandha 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 IOBA0GB8196 continue to work without interruption.
Branch address & contact
Indian Overseas BankOgb - Hatibandha Branch
AT/PO-HATIBANDHA,DIST-NUAPADA,PIN-766108
Hatibandha, Odisha
Phone: 0
IFSC: IOBA0GB8196
Frequently asked questions
What is the phone number of Indian Overseas Bank Ogb - Hatibandha branch?
You can reach the branch at 0 during regular banking hours.
Is IFSC IOBA0GB8196 the same for all accounts at Ogb - Hatibandha branch?
Yes. The IFSC IOBA0GB8196 is shared by every account held at Indian Overseas Bank's Ogb - Hatibandha branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0GB8196 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Hatibandha reflect within 30 minutes.
Does Indian Overseas Bank Ogb - Hatibandha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 0 to confirm.
How do I add Indian Overseas Bank Ogb - Hatibandha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8196, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Indian Overseas Bank Ogb - Hatibandha branch located?
Indian Overseas Bank's Ogb - Hatibandha branch is located at AT/PO-HATIBANDHA,DIST-NUAPADA,PIN-766108, Hatibandha, Odisha.
What is the IFSC code of Indian Overseas Bank Ogb - Hatibandha branch?
The IFSC code of Indian Overseas Bank, Ogb - Hatibandha branch is IOBA0GB8196. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0GB8196 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8196 to send funds instantly.
Summary
The IFSC code IOBA0GB8196 belongs to Indian Overseas Bank's OGB - HATIBANDHA branch, located at AT/PO-HATIBANDHA,DIST-NUAPADA,PIN-766108 in HATIBANDHA, 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.
