Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB - PATNAGARH branch in PATNAGARH, ODISHA. The branch's IFSC code IOBA0GB8408 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.
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 - PATNAGARH branch, the IFSC IOBA0GB8408 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and GB8408 identifies this particular branch.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ogb - Patnagarh branch — IFSC IOBA0GB8408 — extends the bank's services to customers in and around Patnagarh, Odisha.
About this branch
The branch is located at AT/PO-BOLANGIR,DIST-BOLANGIR,PIN-767025. It serves the Patnagarh 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 IOBA0GB8408 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Patnagarh |
| IFSC Code | IOBA0GB8408 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT/PO-BOLANGIR,DIST-BOLANGIR,PIN-767025 |
| City | Patnagarh |
| District | Bolangir |
| State | Odisha |
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 - PATNAGARH branch came to be assigned the code IOBA0GB8408.
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 IOBA0GB8408, money simply cannot be routed to the OGB - PATNAGARH branch electronically.
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 IOBA0GB8408 and the account number together uniquely identify the Ogb - Patnagarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0GB8408
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 IOBA0GB8408 across all three.
How to use IFSC IOBA0GB8408 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's OGB - PATNAGARH 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 IOBA0GB8408.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as OGB - PATNAGARH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0GB8408
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 - PATNAGARH, ensure your bank's portal accepts IFSC IOBA0GB8408 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 - PATNAGARH, use IMPS. With IFSC IOBA0GB8408 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Ogb - Patnagarh
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 IOBA0GB8408:
- 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 - PATNAGARH is still linked to IFSC IOBA0GB8408.
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 IOBA0GB8408
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 - PATNAGARH is still mapped to IFSC IOBA0GB8408. 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 IOBA0GB8408 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Ogb - Patnagarh branch is mapped to IFSC IOBA0GB8408 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 IOBA0GB8408.
Banking services available
The Ogb - Patnagarh 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 IOBA0GB8408
Online banking and IFSC IOBA0GB8408
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB - PATNAGARH 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 IOBA0GB8408 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.
Reaching the branch
The Ogb - Patnagarh branch sits at AT/PO-BOLANGIR,DIST-BOLANGIR,PIN-767025. If you are travelling from outside Patnagarh, 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 IOBA0GB8408 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 - PATNAGARH:
- The IFSC is exactly IOBA0GB8408 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 - PATNAGARH 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 - Patnagarh 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 IOBA0GB8408 continue to work without interruption.
Verifying IFSC IOBA0GB8408 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 IOBA0GB8408 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 - Patnagarh Branch
AT/PO-BOLANGIR,DIST-BOLANGIR,PIN-767025
Patnagarh, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8408
Frequently asked questions
Can I use IFSC IOBA0GB8408 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB8408 to send funds instantly.
Is IFSC IOBA0GB8408 the same for all accounts at Ogb - Patnagarh branch?
Yes. The IFSC IOBA0GB8408 is shared by every account held at Indian Overseas Bank's Ogb - Patnagarh 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 - Patnagarh branch but serve different purposes.
What is the phone number of Indian Overseas Bank Ogb - Patnagarh branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using IOBA0GB8408 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Patnagarh reflect within 30 minutes.
What is the IFSC code of Indian Overseas Bank Ogb - Patnagarh branch?
The IFSC code of Indian Overseas Bank, Ogb - Patnagarh branch is IOBA0GB8408. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0GB8408 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB8408 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Indian Overseas Bank Ogb - Patnagarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB8408, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IOBA0GB8408 belongs to Indian Overseas Bank's OGB - PATNAGARH branch, located at AT/PO-BOLANGIR,DIST-BOLANGIR,PIN-767025 in PATNAGARH, 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.
