If you are searching for the IFSC code of Indian Overseas Bank, OGB - KALIMELA branch in KALIMELA, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0GB8257. 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 - KALIMELA branch, and detailed step-by-step guides for using the IFSC IOBA0GB8257 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Indian Overseas Bank's OGB - KALIMELA branch, the IFSC IOBA0GB8257 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and GB8257 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Kalimela |
| IFSC Code | IOBA0GB8257 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ODISHA GRAMEEN BANK KALIMELA BRANCH AT- KALIMELA PO- KALIMELA DIST- MALKANGIRI,PIN-764047 |
| City | Kalimela |
| District | Jeypore |
| State | Odisha |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb - Kalimela branch in Kalimela. 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, IOBA0GB8257.
About this branch
The branch is located at ODISHA GRAMEEN BANK KALIMELA BRANCH AT- KALIMELA PO- KALIMELA DIST- MALKANGIRI,PIN-764047. It serves the Kalimela 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 IOBA0GB8257 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 - KALIMELA branch came to be assigned the code IOBA0GB8257.
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 IOBA0GB8257, money simply cannot be routed to the OGB - KALIMELA branch electronically.
How to transfer money using IFSC IOBA0GB8257
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 IOBA0GB8257 across all three.
NEFT to Indian Overseas Bank, OGB - KALIMELA using IFSC IOBA0GB8257
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 IOBA0GB8257, and confirm that the system picks up Indian Overseas Bank – OGB - KALIMELA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to OGB - KALIMELA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB - KALIMELA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB8257 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank OGB - KALIMELA (IFSC IOBA0GB8257)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB8257 in your mobile or internet banking app, and the money is credited to the OGB - KALIMELA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB8257 for Indian Overseas Bank – OGB - KALIMELA, 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 – IOBA0GB8257 | Yes – IOBA0GB8257 | Yes – IOBA0GB8257 |
For most retail customers crediting the Ogb - Kalimela 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 IOBA0GB8257
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 - KALIMELA is still mapped to IFSC IOBA0GB8257. 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 IOBA0GB8257 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ogb - Kalimela branch
Once you have an account at Indian Overseas Bank – OGB - KALIMELA, the IFSC IOBA0GB8257 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 - Kalimela 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 IOBA0GB8257
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 IOBA0GB8257 and the account number together uniquely identify the Ogb - Kalimela branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IOBA0GB8257
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - KALIMELA 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 IOBA0GB8257 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.
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 - KALIMELA:
- The IFSC is exactly IOBA0GB8257 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 - KALIMELA 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.
Reaching the branch
The Ogb - Kalimela branch sits at ODISHA GRAMEEN BANK KALIMELA BRANCH AT- KALIMELA PO- KALIMELA DIST- MALKANGIRI,PIN-764047. If you are travelling from outside Kalimela, 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 IOBA0GB8257 and your account number.
Verifying IFSC IOBA0GB8257 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 IOBA0GB8257 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 - Kalimela 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 IOBA0GB8257 continue to work without interruption.
Branch address & contact
Indian Overseas BankOgb - Kalimela Branch
ODISHA GRAMEEN BANK KALIMELA BRANCH AT- KALIMELA PO- KALIMELA DIST- MALKANGIRI,PIN-764047
Kalimela, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8257
Frequently asked questions
Does Indian Overseas Bank Ogb - Kalimela 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 - Kalimela branch located?
Indian Overseas Bank's Ogb - Kalimela branch is located at ODISHA GRAMEEN BANK KALIMELA BRANCH AT- KALIMELA PO- KALIMELA DIST- MALKANGIRI,PIN-764047, Kalimela, Odisha.
What is the phone number of Indian Overseas Bank Ogb - Kalimela branch?
You can reach the branch at the branch contact number during regular banking hours.
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 - Kalimela branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0GB8257 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Kalimela reflect within 30 minutes.
How do I add Indian Overseas Bank Ogb - Kalimela as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8257, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0GB8257 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8257 to send funds instantly.
Is IFSC IOBA0GB8257 the same for all accounts at Ogb - Kalimela branch?
Yes. The IFSC IOBA0GB8257 is shared by every account held at Indian Overseas Bank's Ogb - Kalimela branch. Only the account number changes from customer to customer.
Summary
The IFSC code IOBA0GB8257 belongs to Indian Overseas Bank's OGB - KALIMELA branch, located at ODISHA GRAMEEN BANK KALIMELA BRANCH AT- KALIMELA PO- KALIMELA DIST-… in KALIMELA, 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.
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