Below are the complete branch details for Indian Overseas Bank, OGB - JAR ADO branch, located in JARADA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0GB8024. 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 IOBA0GB8024 for Indian Overseas Bank – OGB - JAR ADO — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 - JAR ADO is IOBA0GB8024. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB8024 map to this branch in JARADA, ODISHA.
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 - Jar Ado branch in Jarada, Odisha is part of this network and uses the IFSC code IOBA0GB8024 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Jar Ado |
| IFSC Code | IOBA0GB8024 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-JARADO VIA-KABISURYANAGAR,DIST-GANJAM,PIN-761043 |
| City | Jarada |
| District | Berhampur |
| State | Odisha |
About this branch
The branch is located at AT/PO-JARADO VIA-KABISURYANAGAR,DIST-GANJAM,PIN-761043. It serves the Jarada 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 IOBA0GB8024 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 - JAR ADO branch came to be assigned the code IOBA0GB8024.
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 IOBA0GB8024, money simply cannot be routed to the OGB - JAR ADO branch electronically.
Account types you can open at the Ogb - Jar Ado branch
Once you have an account at Indian Overseas Bank – OGB - JAR ADO, the IFSC IOBA0GB8024 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 - Jar Ado 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 IOBA0GB8024
How to transfer money using IFSC IOBA0GB8024
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 IOBA0GB8024 across all three.
NEFT to Indian Overseas Bank, OGB - JAR ADO using IFSC IOBA0GB8024
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 IOBA0GB8024, and confirm that the system picks up Indian Overseas Bank – OGB - JAR ADO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB8024
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 - JAR ADO, ensure your bank's portal accepts IFSC IOBA0GB8024 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank OGB - JAR ADO (IFSC IOBA0GB8024)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB8024 in your mobile or internet banking app, and the money is credited to the OGB - JAR ADO branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ogb - Jar Ado
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 IOBA0GB8024:
- 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 - JAR ADO is still linked to IFSC IOBA0GB8024.
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.
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 - JAR ADO branch, the IFSC IOBA0GB8024 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.
Online banking and IFSC IOBA0GB8024
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - JAR ADO 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 IOBA0GB8024 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.
MICR & cheque-truncation details
Cheques drawn on the Ogb - Jar Ado branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB8024 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 IOBA0GB8024
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 - JAR ADO, 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:
IOBA0GB8024. - 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.
Reaching the branch
The Ogb - Jar Ado branch sits at AT/PO-JARADO VIA-KABISURYANAGAR,DIST-GANJAM,PIN-761043. If you are travelling from outside Jarada, 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 IOBA0GB8024 and your account number.
Verifying IFSC IOBA0GB8024 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 IOBA0GB8024 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.
Working hours
Branch counters at Ogb - Jar Ado 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 IOBA0GB8024 continue to work without interruption.
Branch address & contact
Indian Overseas BankOgb - Jar Ado Branch
AT/PO-JARADO VIA-KABISURYANAGAR,DIST-GANJAM,PIN-761043
Jarada, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8024
Frequently asked questions
What is the phone number of Indian Overseas Bank Ogb - Jar Ado branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC IOBA0GB8024 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8024 to send funds instantly.
Is IFSC IOBA0GB8024 the same for all accounts at Ogb - Jar Ado branch?
Yes. The IFSC IOBA0GB8024 is shared by every account held at Indian Overseas Bank's Ogb - Jar Ado branch. Only the account number changes from customer to customer.
Does Indian Overseas Bank Ogb - Jar Ado 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 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 - Jar Ado branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0GB8024 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Jar Ado reflect within 30 minutes.
How do I add Indian Overseas Bank Ogb - Jar Ado as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8024, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Indian Overseas Bank Ogb - Jar Ado branch?
The IFSC code of Indian Overseas Bank, Ogb - Jar Ado branch is IOBA0GB8024. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0GB8024 belongs to Indian Overseas Bank's OGB - JAR ADO branch, located at AT/PO-JARADO VIA-KABISURYANAGAR,DIST-GANJAM,PIN-761043 in JARADA, 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.
