Below are the complete branch details for Indian Overseas Bank, OGB - BAGDIHI branch, located in JHARMUNDA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0GB8433. 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 IOBA0GB8433 for Indian Overseas Bank – OGB - BAGDIHI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, IOBA0GB8433 is the IFSC of Indian Overseas Bank's OGB - BAGDIHI branch. The format is fixed: IOBA = bank code, 0 = reserved, GB8433 = branch identifier.
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 - Bagdihi branch in Jharmunda, Odisha is part of this network and uses the IFSC code IOBA0GB8433 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Bagdihi |
| IFSC Code | IOBA0GB8433 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO - BAGDIHI,DIST-JHARSUGUDA,PIN-768220 |
| City | Jharmunda |
| District | Sambalpur |
| State | Odisha |
About this branch
The branch is located at AT/PO - BAGDIHI,DIST-JHARSUGUDA,PIN-768220. It serves the Jharmunda 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 IOBA0GB8433 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 - BAGDIHI branch came to be assigned the code IOBA0GB8433.
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 IOBA0GB8433, money simply cannot be routed to the OGB - BAGDIHI branch electronically.
Products and account variants supported
Every account opened at the Ogb - Bagdihi branch is mapped to IFSC IOBA0GB8433 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 IOBA0GB8433.
Products and services
Customers walking into the Ogb - Bagdihi 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 IOBA0GB8433
How to transfer money using IFSC IOBA0GB8433
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 IOBA0GB8433 across all three.
NEFT to Indian Overseas Bank, OGB - BAGDIHI using IFSC IOBA0GB8433
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 IOBA0GB8433, and confirm that the system picks up Indian Overseas Bank – OGB - BAGDIHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB8433
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 - BAGDIHI, ensure your bank's portal accepts IFSC IOBA0GB8433 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Indian Overseas Bank OGB - BAGDIHI (IFSC IOBA0GB8433)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB8433 in your mobile or internet banking app, and the money is credited to the OGB - BAGDIHI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ogb - Bagdihi
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 IOBA0GB8433:
- 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 - BAGDIHI is still linked to IFSC IOBA0GB8433.
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 - BAGDIHI branch, the IFSC IOBA0GB8433 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 IOBA0GB8433
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - BAGDIHI 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 IOBA0GB8433 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 - Bagdihi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB8433 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 - BAGDIHI:
- The IFSC is exactly IOBA0GB8433 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 - BAGDIHI 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 - Bagdihi branch
The branch is located at AT/PO - BAGDIHI,DIST-JHARSUGUDA,PIN-768220, which puts it inside Jharmunda, the broader Sambalpur district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb - Bagdihi branch” — the verified location pin for IFSC IOBA0GB8433 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 IOBA0GB8433 and your account number.
Verifying IFSC IOBA0GB8433 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 IOBA0GB8433 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 - Bagdihi 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 IOBA0GB8433 continue to work without interruption.
Branch address & contact
Indian Overseas BankOgb - Bagdihi Branch
AT/PO - BAGDIHI,DIST-JHARSUGUDA,PIN-768220
Jharmunda, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8433
Frequently asked questions
Can I use IFSC IOBA0GB8433 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8433 to send funds instantly.
How quickly will an NEFT transfer using IOBA0GB8433 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Bagdihi reflect within 30 minutes.
How do I add Indian Overseas Bank Ogb - Bagdihi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8433, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Ogb - Bagdihi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Indian Overseas Bank Ogb - Bagdihi branch located?
Indian Overseas Bank's Ogb - Bagdihi branch is located at AT/PO - BAGDIHI,DIST-JHARSUGUDA,PIN-768220, Jharmunda, Odisha.
Is IFSC IOBA0GB8433 the same for all accounts at Ogb - Bagdihi branch?
Yes. The IFSC IOBA0GB8433 is shared by every account held at Indian Overseas Bank's Ogb - Bagdihi 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 - Bagdihi branch but serve different purposes.
Summary
The IFSC code IOBA0GB8433 belongs to Indian Overseas Bank's OGB - BAGDIHI branch, located at AT/PO - BAGDIHI,DIST-JHARSUGUDA,PIN-768220 in JHARMUNDA, 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.
