Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB - BHIKAMPALI branch in JHARSUGUDA, ODISHA. The branch's IFSC code IOBA0GB8461 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, IOBA0GB8461 is the IFSC of Indian Overseas Bank's OGB - BHIKAMPALI branch. The format is fixed: IOBA = bank code, 0 = reserved, GB8461 = branch identifier.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Bhikampali |
| IFSC Code | IOBA0GB8461 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT-BHIKAMPALI,PO-KAPILAPUR,DIST-JHARSUGUDA,PIN-768226 |
| City | Jharsuguda |
| District | Sambalpur |
| State | Odisha |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb - Bhikampali branch in Jharsuguda. 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, IOBA0GB8461.
Ogb - Bhikampali branch overview
Located at AT-BHIKAMPALI,PO-KAPILAPUR,DIST-JHARSUGUDA,PIN-768226, the Ogb - Bhikampali branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB8461 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 - BHIKAMPALI branch came to be assigned the code IOBA0GB8461.
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 IOBA0GB8461, money simply cannot be routed to the OGB - BHIKAMPALI branch electronically.
How to transfer money using IFSC IOBA0GB8461
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 IOBA0GB8461 across all three.
How to use IFSC IOBA0GB8461 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's OGB - BHIKAMPALI 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 IOBA0GB8461.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as OGB - BHIKAMPALI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to OGB - BHIKAMPALI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB - BHIKAMPALI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB8461 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank OGB - BHIKAMPALI (IFSC IOBA0GB8461)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB8461 in your mobile or internet banking app, and the money is credited to the OGB - BHIKAMPALI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB8461 for Indian Overseas Bank – OGB - BHIKAMPALI, 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 – IOBA0GB8461 | Yes – IOBA0GB8461 | Yes – IOBA0GB8461 |
For most retail customers crediting the Ogb - Bhikampali 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 IOBA0GB8461
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 - BHIKAMPALI is still mapped to IFSC IOBA0GB8461. 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 IOBA0GB8461 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ogb - Bhikampali branch is mapped to IFSC IOBA0GB8461 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 IOBA0GB8461.
Banking services available
The Ogb - Bhikampali 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 IOBA0GB8461
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 IOBA0GB8461 and the account number together uniquely identify the Ogb - Bhikampali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0GB8461
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - BHIKAMPALI 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 IOBA0GB8461 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.
Common mistakes to avoid when using IFSC IOBA0GB8461
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 - BHIKAMPALI, 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:
IOBA0GB8461. - 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 - Bhikampali branch
The branch is located at AT-BHIKAMPALI,PO-KAPILAPUR,DIST-JHARSUGUDA,PIN-768226, which puts it inside Jharsuguda, 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 - Bhikampali branch” — the verified location pin for IFSC IOBA0GB8461 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 IOBA0GB8461 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0GB8461 for Indian Overseas Bank – OGB - BHIKAMPALI, 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 - Bhikampali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB8461, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb - Bhikampali Branch
AT-BHIKAMPALI,PO-KAPILAPUR,DIST-JHARSUGUDA,PIN-768226
Jharsuguda, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8461
Frequently asked questions
What is the phone number of Indian Overseas Bank Ogb - Bhikampali branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using IOBA0GB8461 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Bhikampali reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Ogb - Bhikampali branch?
The IFSC code of Indian Overseas Bank, Ogb - Bhikampali branch is IOBA0GB8461. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Indian Overseas Bank Ogb - Bhikampali branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Can I use IFSC IOBA0GB8461 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8461 to send funds instantly.
Is IFSC IOBA0GB8461 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB8461 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Ogb - Bhikampali as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8461, and complete OTP verification. Once activated, you can transfer funds at any time.
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 - Bhikampali branch but serve different purposes.
Final notes
To recap: IOBA0GB8461 is the IFSC code of Indian Overseas Bank, OGB - BHIKAMPALI branch, in JHARSUGUDA, ODISHA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
