Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB - KOTINADA branch in KUMBHARI, ODISHA. The branch's IFSC code IOBA0GB8031 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.
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 - KOTINADA is IOBA0GB8031. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB8031 map to this branch in KUMBHARI, ODISHA.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb - Kotinada branch in Kumbhari. 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, IOBA0GB8031.
About the Ogb - Kotinada branch
The Ogb - Kotinada branch of Indian Overseas Bank is situated at AT-KOTINADA, PO-NUAGAON, VIA- KHAMBESWARI PATNA(ASKA),DIST-GANJAM,PIN-761111. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0GB8031 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Kotinada |
| IFSC Code | IOBA0GB8031 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT-KOTINADA, PO-NUAGAON, VIA- KHAMBESWARI PATNA(ASKA),DIST-GANJAM,PIN-761111 |
| City | Kumbhari |
| District | Berhampur |
| 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 - KOTINADA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB8031 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 IOBA0GB8031 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 - Kotinada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB8031 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 IOBA0GB8031
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 IOBA0GB8031 across all three.
NEFT to Indian Overseas Bank, OGB - KOTINADA using IFSC IOBA0GB8031
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 IOBA0GB8031, and confirm that the system picks up Indian Overseas Bank – OGB - KOTINADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB8031
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 - KOTINADA, ensure your bank's portal accepts IFSC IOBA0GB8031 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – OGB - KOTINADA, use IMPS. With IFSC IOBA0GB8031 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB8031 for Indian Overseas Bank – OGB - KOTINADA, 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 – IOBA0GB8031 | Yes – IOBA0GB8031 | Yes – IOBA0GB8031 |
For most retail customers crediting the Ogb - Kotinada 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.
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 - KOTINADA branch, the IFSC IOBA0GB8031 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.
Products and account variants supported
Every account opened at the Ogb - Kotinada branch is mapped to IFSC IOBA0GB8031 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 IOBA0GB8031.
Products and services
Customers walking into the Ogb - Kotinada 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 IOBA0GB8031
Digital banking channels
Most day-to-day work that customers used to do at the Ogb - Kotinada 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 IOBA0GB8031 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.
Reaching the branch
The Ogb - Kotinada branch sits at AT-KOTINADA, PO-NUAGAON, VIA- KHAMBESWARI PATNA(ASKA),DIST-GANJAM,PIN-761111. If you are travelling from outside Kumbhari, 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 IOBA0GB8031 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 - KOTINADA:
- The IFSC is exactly IOBA0GB8031 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 - KOTINADA 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.
Working hours
Branch counters at Ogb - Kotinada 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 IOBA0GB8031 continue to work without interruption.
Verifying IFSC IOBA0GB8031 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 IOBA0GB8031 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 - Kotinada Branch
AT-KOTINADA, PO-NUAGAON, VIA- KHAMBESWARI PATNA(ASKA),DIST-GANJAM,PIN-761111
Kumbhari, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8031
Frequently asked questions
How quickly will an NEFT transfer using IOBA0GB8031 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Kotinada reflect within 30 minutes.
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 - Kotinada branch but serve different purposes.
Can I use IFSC IOBA0GB8031 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8031 to send funds instantly.
What is the phone number of Indian Overseas Bank Ogb - Kotinada branch?
You can reach the branch at the branch contact number during regular banking hours.
Where is Indian Overseas Bank Ogb - Kotinada branch located?
Indian Overseas Bank's Ogb - Kotinada branch is located at AT-KOTINADA, PO-NUAGAON, VIA- KHAMBESWARI PATNA(ASKA),DIST-GANJAM,PIN-761111, Kumbhari, Odisha.
How do I add Indian Overseas Bank Ogb - Kotinada as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8031, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0GB8031 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB8031 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Indian Overseas Bank Ogb - Kotinada branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Final notes
To recap: IOBA0GB8031 is the IFSC code of Indian Overseas Bank, OGB - KOTINADA branch, in KUMBHARI, 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.
