If you are searching for the IFSC code of Indian Overseas Bank, OGB -MITRAPUR branch in MITRAPUR, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0GB4138. 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 -MITRAPUR branch, and detailed step-by-step guides for using the IFSC IOBA0GB4138 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 -MITRAPUR branch, the IFSC IOBA0GB4138 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and GB4138 identifies this particular branch.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Mitrapur |
| IFSC Code | IOBA0GB4138 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT -MITRAPUR, P.O. -MITRAPUR, DIST-BALASORE, PIN -756020. |
| City | Mitrapur |
| District | Balasore |
| State | Odisha |
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb -Mitrapur branch in Mitrapur. 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, IOBA0GB4138.
About this branch
The branch is located at AT -MITRAPUR, P.O. -MITRAPUR, DIST-BALASORE, PIN -756020.. It serves the Mitrapur 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 IOBA0GB4138 is used to identify this branch on the RBI payments network.
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 -MITRAPUR of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB4138 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 IOBA0GB4138 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC IOBA0GB4138
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 IOBA0GB4138 across all three.
How to use IFSC IOBA0GB4138 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's OGB -MITRAPUR 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 IOBA0GB4138.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as OGB -MITRAPUR.
- 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 -MITRAPUR
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB -MITRAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB4138 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – OGB -MITRAPUR, use IMPS. With IFSC IOBA0GB4138 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 IOBA0GB4138 for Indian Overseas Bank – OGB -MITRAPUR, 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 – IOBA0GB4138 | Yes – IOBA0GB4138 | Yes – IOBA0GB4138 |
For most retail customers crediting the Ogb -Mitrapur 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 IOBA0GB4138
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 -MITRAPUR is still mapped to IFSC IOBA0GB4138. 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 IOBA0GB4138 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ogb -Mitrapur branch is mapped to IFSC IOBA0GB4138 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 IOBA0GB4138.
Products and services
Customers walking into the Ogb -Mitrapur 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 IOBA0GB4138
MICR & cheque-truncation details
Cheques drawn on the Ogb -Mitrapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB4138 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Ogb -Mitrapur 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 IOBA0GB4138 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.
Common mistakes to avoid when using IFSC IOBA0GB4138
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 -MITRAPUR, 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:
IOBA0GB4138. - 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 -Mitrapur branch
The branch is located at AT -MITRAPUR, P.O. -MITRAPUR, DIST-BALASORE, PIN -756020., which puts it inside Mitrapur, the broader Balasore district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Mitrapur branch” — the verified location pin for IFSC IOBA0GB4138 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 IOBA0GB4138 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0GB4138 for Indian Overseas Bank – OGB -MITRAPUR, 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 -Mitrapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB4138, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb -Mitrapur Branch
AT -MITRAPUR, P.O. -MITRAPUR, DIST-BALASORE, PIN -756020.
Mitrapur, Odisha
Phone: the branch contact number
IFSC: IOBA0GB4138
Frequently asked questions
How quickly will an NEFT transfer using IOBA0GB4138 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Mitrapur reflect within 30 minutes.
Does Indian Overseas Bank Ogb -Mitrapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the phone number of Indian Overseas Bank Ogb -Mitrapur branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC IOBA0GB4138 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB4138 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Indian Overseas Bank Ogb -Mitrapur branch?
The IFSC code of Indian Overseas Bank, Ogb -Mitrapur branch is IOBA0GB4138. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC IOBA0GB4138 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB4138 to send funds instantly.
How do I add Indian Overseas Bank Ogb -Mitrapur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB4138, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0GB4138 belongs to Indian Overseas Bank's OGB -MITRAPUR branch, located at AT -MITRAPUR, P.O. -MITRAPUR, DIST-BALASORE, PIN -756020. in MITRAPUR, 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.
