Below are the complete branch details for Indian Overseas Bank, OGB -NAHARANA branch, located in NAHARANA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0GB4103. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0GB4103 for Indian Overseas Bank – OGB -NAHARANA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, IOBA0GB4103 is the IFSC of Indian Overseas Bank's OGB -NAHARANA branch. The format is fixed: IOBA = bank code, 0 = reserved, GB4103 = branch identifier.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Ogb -Naharana branch in Naharana. 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, IOBA0GB4103.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Naharana |
| IFSC Code | IOBA0GB4103 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT-DASABATIA, POST-BARAMUNDALI,VIA-MACHHAGAON,DIST-JAGATSINGHPUR,PIN-754119 |
| City | Naharana |
| District | Jagatsinghpur |
| State | Odisha |
About the Ogb -Naharana branch
The Ogb -Naharana branch of Indian Overseas Bank is situated at AT-DASABATIA, POST-BARAMUNDALI,VIA-MACHHAGAON,DIST-JAGATSINGHPUR,PIN-754119. 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 IOBA0GB4103 is used.
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 -NAHARANA branch came to be assigned the code IOBA0GB4103.
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 IOBA0GB4103, money simply cannot be routed to the OGB -NAHARANA branch electronically.
Products and account variants supported
Every account opened at the Ogb -Naharana branch is mapped to IFSC IOBA0GB4103 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 IOBA0GB4103.
Products and services
Customers walking into the Ogb -Naharana 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 IOBA0GB4103
How to transfer money using IFSC IOBA0GB4103
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 IOBA0GB4103 across all three.
NEFT to Indian Overseas Bank, OGB -NAHARANA using IFSC IOBA0GB4103
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 IOBA0GB4103, and confirm that the system picks up Indian Overseas Bank – OGB -NAHARANA. 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 -NAHARANA
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB -NAHARANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB4103 while initiating the transfer and the credit will appear within minutes.
IMPS to Indian Overseas Bank OGB -NAHARANA (IFSC IOBA0GB4103)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB4103 in your mobile or internet banking app, and the money is credited to the OGB -NAHARANA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0GB4103 for Indian Overseas Bank – OGB -NAHARANA, 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 – IOBA0GB4103 | Yes – IOBA0GB4103 | Yes – IOBA0GB4103 |
For most retail customers crediting the Ogb -Naharana 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 IOBA0GB4103
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 -NAHARANA is still mapped to IFSC IOBA0GB4103. 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 IOBA0GB4103 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Ogb -Naharana 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 IOBA0GB4103 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.
MICR & cheque-truncation details
Cheques drawn on the Ogb -Naharana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB4103 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC IOBA0GB4103
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 -NAHARANA, 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:
IOBA0GB4103. - 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.
Reaching the branch
The Ogb -Naharana branch sits at AT-DASABATIA, POST-BARAMUNDALI,VIA-MACHHAGAON,DIST-JAGATSINGHPUR,PIN-754119. If you are travelling from outside Naharana, 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 IOBA0GB4103 and your account number.
Verifying IFSC IOBA0GB4103 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 IOBA0GB4103 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 -Naharana 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 IOBA0GB4103 continue to work without interruption.
Branch address & contact
Indian Overseas BankOgb -Naharana Branch
AT-DASABATIA, POST-BARAMUNDALI,VIA-MACHHAGAON,DIST-JAGATSINGHPUR,PIN-754119
Naharana, Odisha
Phone: the branch contact number
IFSC: IOBA0GB4103
Frequently asked questions
Is IFSC IOBA0GB4103 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB4103 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC IOBA0GB4103 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB4103 to send funds instantly.
Where is Indian Overseas Bank Ogb -Naharana branch located?
Indian Overseas Bank's Ogb -Naharana branch is located at AT-DASABATIA, POST-BARAMUNDALI,VIA-MACHHAGAON,DIST-JAGATSINGHPUR,PIN-754119, Naharana, Odisha.
What is the phone number of Indian Overseas Bank Ogb -Naharana branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC IOBA0GB4103 the same for all accounts at Ogb -Naharana branch?
Yes. The IFSC IOBA0GB4103 is shared by every account held at Indian Overseas Bank's Ogb -Naharana branch. Only the account number changes from customer to customer.
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 -Naharana branch but serve different purposes.
How quickly will an NEFT transfer using IOBA0GB4103 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Naharana reflect within 30 minutes.
How do I add Indian Overseas Bank Ogb -Naharana as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB4103, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: IOBA0GB4103 is the IFSC code of Indian Overseas Bank, OGB -NAHARANA branch, in NAHARANA, 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.
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