This page lists the IFSC code, branch address, contact number and fund-transfer information for Indian Overseas Bank, OGB -PADMAPUR-B branch in PADMAPUR. The 11-digit IFSC IOBA0GB4147 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indian Overseas Bank at the OGB -PADMAPUR-B location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 -PADMAPUR-B branch, the IFSC IOBA0GB4147 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and GB4147 identifies this particular branch.
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ogb -Padmapur-B branch in Padmapur, Odisha is part of this network and uses the IFSC code IOBA0GB4147 for all electronic settlement.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Padmapur-B |
| IFSC Code | IOBA0GB4147 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-PADAMPUR, RMS DIST BHADRAK, DIST BHADRAK DIST- BHADRAK,PIN 756124 |
| City | Padmapur |
| District | Bhadrak |
| State | Odisha |
Ogb -Padmapur-B branch overview
Located at AT/PO-PADAMPUR, RMS DIST BHADRAK, DIST BHADRAK DIST- BHADRAK,PIN 756124, the Ogb -Padmapur-B branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IOBA0GB4147 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 -PADMAPUR-B branch came to be assigned the code IOBA0GB4147.
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 IOBA0GB4147, money simply cannot be routed to the OGB -PADMAPUR-B branch electronically.
Account types you can open at the Ogb -Padmapur-B branch
Once you have an account at Indian Overseas Bank – OGB -PADMAPUR-B, the IFSC IOBA0GB4147 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 -Padmapur-B 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 IOBA0GB4147
How to transfer money using IFSC IOBA0GB4147
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 IOBA0GB4147 across all three.
NEFT to Indian Overseas Bank, OGB -PADMAPUR-B using IFSC IOBA0GB4147
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 IOBA0GB4147, and confirm that the system picks up Indian Overseas Bank – OGB -PADMAPUR-B. 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 -PADMAPUR-B
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's OGB -PADMAPUR-B branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0GB4147 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 -PADMAPUR-B, use IMPS. With IFSC IOBA0GB4147 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 IOBA0GB4147 for Indian Overseas Bank – OGB -PADMAPUR-B, 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 – IOBA0GB4147 | Yes – IOBA0GB4147 | Yes – IOBA0GB4147 |
For most retail customers crediting the Ogb -Padmapur-B 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 IOBA0GB4147
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 -PADMAPUR-B is still mapped to IFSC IOBA0GB4147. 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 IOBA0GB4147 and the beneficiary's account number to complete the transfer.
Online banking and IFSC IOBA0GB4147
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB -PADMAPUR-B 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 IOBA0GB4147 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 IOBA0GB4147 and the account number together uniquely identify the Ogb -Padmapur-B branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 -PADMAPUR-B:
- The IFSC is exactly IOBA0GB4147 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 -PADMAPUR-B 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.
Reaching the branch
The Ogb -Padmapur-B branch sits at AT/PO-PADAMPUR, RMS DIST BHADRAK, DIST BHADRAK DIST- BHADRAK,PIN 756124. If you are travelling from outside Padmapur, 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 IOBA0GB4147 and your account number.
Verifying IFSC IOBA0GB4147 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 IOBA0GB4147 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 -Padmapur-B 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 IOBA0GB4147 continue to work without interruption.
Branch address & contact
Indian Overseas BankOgb -Padmapur-B Branch
AT/PO-PADAMPUR, RMS DIST BHADRAK, DIST BHADRAK DIST- BHADRAK,PIN 756124
Padmapur, Odisha
Phone: the branch contact number
IFSC: IOBA0GB4147
Frequently asked questions
Is IFSC IOBA0GB4147 the same for all accounts at Ogb -Padmapur-B branch?
Yes. The IFSC IOBA0GB4147 is shared by every account held at Indian Overseas Bank's Ogb -Padmapur-B branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IOBA0GB4147 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Padmapur-B 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 -Padmapur-B branch but serve different purposes.
How do I add Indian Overseas Bank Ogb -Padmapur-B as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB4147, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Indian Overseas Bank Ogb -Padmapur-B 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 -Padmapur-B branch?
You can reach the branch at the branch contact number during regular banking hours.
Final notes
To recap: IOBA0GB4147 is the IFSC code of Indian Overseas Bank, OGB -PADMAPUR-B branch, in PADMAPUR, 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.
