IFSC Code of Indian Overseas Bank, Ogb - Lamtaput Branch, Odisha

Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB - LAMTAPUT branch in LAMTAPUT, ODISHA. The branch's IFSC code IOBA0GB8272 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 - LAMTAPUT is IOBA0GB8272. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB8272 map to this branch in LAMTAPUT, ODISHA.

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the Ogb - Lamtaput branch in Lamtaput. 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, IOBA0GB8272.

Branch details at a glance

Ogb - Lamtaput branch overview

Located at ODISHA GRAMEEN BANK LAMTAPUT BRANCH AT- LAMTAPUT PO-LAMTAPUT DIST- KORAPUT,PIN-764081, the Ogb - Lamtaput branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB8272 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 - LAMTAPUT branch came to be assigned the code IOBA0GB8272.

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 IOBA0GB8272, money simply cannot be routed to the OGB - LAMTAPUT branch electronically.

Account types you can open at the Ogb - Lamtaput branch

Once you have an account at Indian Overseas Bank – OGB - LAMTAPUT, the IFSC IOBA0GB8272 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 - Lamtaput 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 IOBA0GB8272

How to transfer money using IFSC IOBA0GB8272

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 IOBA0GB8272 across all three.

NEFT to Indian Overseas Bank, OGB - LAMTAPUT using IFSC IOBA0GB8272

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 IOBA0GB8272, and confirm that the system picks up Indian Overseas Bank – OGB - LAMTAPUT. 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 - LAMTAPUT

If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB - LAMTAPUT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB8272 while initiating the transfer and the credit will appear within minutes.

IMPS to Indian Overseas Bank OGB - LAMTAPUT (IFSC IOBA0GB8272)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB8272 in your mobile or internet banking app, and the money is credited to the OGB - LAMTAPUT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ogb - Lamtaput

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 IOBA0GB8272:

• 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 - LAMTAPUT is still linked to IFSC IOBA0GB8272.

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 IOBA0GB8272

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 - LAMTAPUT is still mapped to IFSC IOBA0GB8272. 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 IOBA0GB8272 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IOBA0GB8272

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - LAMTAPUT 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 IOBA0GB8272 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 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 IOBA0GB8272 and the account number together uniquely identify the Ogb - Lamtaput branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IOBA0GB8272

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 - LAMTAPUT, 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: IOBA0GB8272.
• 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 - Lamtaput branch

The branch is located at ODISHA GRAMEEN BANK LAMTAPUT BRANCH AT- LAMTAPUT PO-LAMTAPUT DIST- KORAPUT,PIN-764081, which puts it inside Lamtaput, the broader Jeypore district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Ogb - Lamtaput branch” — the verified location pin for IFSC IOBA0GB8272 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 IOBA0GB8272 and your account number.

Verifying IFSC IOBA0GB8272 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 IOBA0GB8272 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 - Lamtaput 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 IOBA0GB8272 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0GB8272 belongs to Indian Overseas Bank's OGB - LAMTAPUT branch, located at ODISHA GRAMEEN BANK LAMTAPUT BRANCH AT- LAMTAPUT PO-LAMTAPUT DIST-… in LAMTAPUT, 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.