If you are searching for the IFSC code of Indian Overseas Bank, OGB - DHANDAMUNDA branch in KHAPRAKHOL, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0GB8481. 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 - DHANDAMUNDA branch, and detailed step-by-step guides for using the IFSC IOBA0GB8481 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.
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 - DHANDAMUNDA is IOBA0GB8481. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB8481 map to this branch in KHAPRAKHOL, ODISHA.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb - Dhandamunda branch in Khaprakhol. 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, IOBA0GB8481.
About this branch
The branch is located at AT/PO-DHANDAMUNDA,DIST-BOLANGIR,PIN-767026. It serves the Khaprakhol 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 IOBA0GB8481 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Dhandamunda |
| IFSC Code | IOBA0GB8481 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-DHANDAMUNDA,DIST-BOLANGIR,PIN-767026 |
| City | Khaprakhol |
| District | Bolangir |
| State | Odisha |
Why every Indian Overseas Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including OGB - DHANDAMUNDA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB8481 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IOBA0GB8481 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Ogb - Dhandamunda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB8481 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0GB8481
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 IOBA0GB8481 across all three.
NEFT to Indian Overseas Bank, OGB - DHANDAMUNDA using IFSC IOBA0GB8481
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 IOBA0GB8481, and confirm that the system picks up Indian Overseas Bank – OGB - DHANDAMUNDA. 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 - DHANDAMUNDA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB - DHANDAMUNDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB8481 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank OGB - DHANDAMUNDA (IFSC IOBA0GB8481)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB8481 in your mobile or internet banking app, and the money is credited to the OGB - DHANDAMUNDA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ogb - Dhandamunda
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 IOBA0GB8481:
- 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 - DHANDAMUNDA is still linked to IFSC IOBA0GB8481.
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 IOBA0GB8481
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 - DHANDAMUNDA is still mapped to IFSC IOBA0GB8481. 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 IOBA0GB8481 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ogb - Dhandamunda branch
Once you have an account at Indian Overseas Bank – OGB - DHANDAMUNDA, the IFSC IOBA0GB8481 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 - Dhandamunda 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 IOBA0GB8481
Digital banking channels
Most day-to-day work that customers used to do at the Ogb - Dhandamunda 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 IOBA0GB8481 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.
How to reach the Ogb - Dhandamunda branch
The branch is located at AT/PO-DHANDAMUNDA,DIST-BOLANGIR,PIN-767026, which puts it inside Khaprakhol, the broader Bolangir district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb - Dhandamunda branch” — the verified location pin for IFSC IOBA0GB8481 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 IOBA0GB8481 and your account number.
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 - DHANDAMUNDA:
- The IFSC is exactly IOBA0GB8481 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 - DHANDAMUNDA 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.
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 - Dhandamunda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB8481, however, work 24x7.
Verifying IFSC IOBA0GB8481 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 IOBA0GB8481 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.
Branch address & contact
Indian Overseas BankOgb - Dhandamunda Branch
AT/PO-DHANDAMUNDA,DIST-BOLANGIR,PIN-767026
Khaprakhol, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8481
Frequently asked questions
How do I add Indian Overseas Bank Ogb - Dhandamunda as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8481, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0GB8481 the same for all accounts at Ogb - Dhandamunda branch?
Yes. The IFSC IOBA0GB8481 is shared by every account held at Indian Overseas Bank's Ogb - Dhandamunda branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0GB8481 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Dhandamunda reflect within 30 minutes.
Does Indian Overseas Bank Ogb - Dhandamunda 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 - Dhandamunda branch located?
Indian Overseas Bank's Ogb - Dhandamunda branch is located at AT/PO-DHANDAMUNDA,DIST-BOLANGIR,PIN-767026, Khaprakhol, Odisha.
What is the phone number of Indian Overseas Bank Ogb - Dhandamunda branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of Indian Overseas Bank Ogb - Dhandamunda branch?
The IFSC code of Indian Overseas Bank, Ogb - Dhandamunda branch is IOBA0GB8481. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0GB8481 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8481 to send funds instantly.
Final notes
To recap: IOBA0GB8481 is the IFSC code of Indian Overseas Bank, OGB - DHANDAMUNDA branch, in KHAPRAKHOL, 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.
