Below are the complete branch details for Indian Overseas Bank, OGB - PHIRINGIA branch, located in PHIRINGIA, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0GB8342. 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 IOBA0GB8342 for Indian Overseas Bank – OGB - PHIRINGIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 - PHIRINGIA branch, the IFSC IOBA0GB8342 breaks down as follows: IOBA identifies the bank, 0 is the reserved character, and GB8342 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 - Phiringia branch in Phiringia, Odisha is part of this network and uses the IFSC code IOBA0GB8342 for all electronic settlement.
About the Ogb - Phiringia branch
The Ogb - Phiringia branch of Indian Overseas Bank is situated at ODISHA GRAMEEN BANK, PHIRINGIA BRANCH, AT/PO-PHIRINGIA, DIST-KANDHAMAL, PIN-762011. 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 IOBA0GB8342 is used.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb - Phiringia |
| IFSC Code | IOBA0GB8342 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ODISHA GRAMEEN BANK, PHIRINGIA BRANCH, AT/PO-PHIRINGIA, DIST-KANDHAMAL, PIN-762011 |
| City | Phiringia |
| District | Phulbani |
| 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 - PHIRINGIA branch came to be assigned the code IOBA0GB8342.
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 IOBA0GB8342, money simply cannot be routed to the OGB - PHIRINGIA 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 IOBA0GB8342 and the account number together uniquely identify the Ogb - Phiringia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC IOBA0GB8342
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 IOBA0GB8342 across all three.
NEFT to Indian Overseas Bank, OGB - PHIRINGIA using IFSC IOBA0GB8342
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 IOBA0GB8342, and confirm that the system picks up Indian Overseas Bank – OGB - PHIRINGIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB8342
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 - PHIRINGIA, ensure your bank's portal accepts IFSC IOBA0GB8342 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 - PHIRINGIA, use IMPS. With IFSC IOBA0GB8342 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 IOBA0GB8342 for Indian Overseas Bank – OGB - PHIRINGIA, 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 – IOBA0GB8342 | Yes – IOBA0GB8342 | Yes – IOBA0GB8342 |
For most retail customers crediting the Ogb - Phiringia 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Overseas Bank's OGB - PHIRINGIA branch, the IFSC IOBA0GB8342 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Ogb - Phiringia branch is mapped to IFSC IOBA0GB8342 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 IOBA0GB8342.
Products and services
Customers walking into the Ogb - Phiringia 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 IOBA0GB8342
Digital banking channels
Most day-to-day work that customers used to do at the Ogb - Phiringia 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 IOBA0GB8342 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.
How to reach the Ogb - Phiringia branch
The branch is located at ODISHA GRAMEEN BANK, PHIRINGIA BRANCH, AT/PO-PHIRINGIA, DIST-KANDHAMAL, PIN-762011, which puts it inside Phiringia, the broader Phulbani district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb - Phiringia branch” — the verified location pin for IFSC IOBA0GB8342 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 IOBA0GB8342 and your account number.
Common mistakes to avoid when using IFSC IOBA0GB8342
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 - PHIRINGIA, 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:
IOBA0GB8342. - 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.
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 - Phiringia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB8342, however, work 24x7.
Verifying IFSC IOBA0GB8342 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 IOBA0GB8342 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 - Phiringia Branch
ODISHA GRAMEEN BANK, PHIRINGIA BRANCH, AT/PO-PHIRINGIA, DIST-KANDHAMAL, PIN-762011
Phiringia, Odisha
Phone: the branch contact number
IFSC: IOBA0GB8342
Frequently asked questions
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 - Phiringia branch but serve different purposes.
Is IFSC IOBA0GB8342 the same for all accounts at Ogb - Phiringia branch?
Yes. The IFSC IOBA0GB8342 is shared by every account held at Indian Overseas Bank's Ogb - Phiringia branch. Only the account number changes from customer to customer.
Where is Indian Overseas Bank Ogb - Phiringia branch located?
Indian Overseas Bank's Ogb - Phiringia branch is located at ODISHA GRAMEEN BANK, PHIRINGIA BRANCH, AT/PO-PHIRINGIA, DIST-KANDHAMAL, PIN-762011, Phiringia, Odisha.
How quickly will an NEFT transfer using IOBA0GB8342 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb - Phiringia reflect within 30 minutes.
Does Indian Overseas Bank Ogb - Phiringia 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 IFSC code of Indian Overseas Bank Ogb - Phiringia branch?
The IFSC code of Indian Overseas Bank, Ogb - Phiringia branch is IOBA0GB8342. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code IOBA0GB8342 belongs to Indian Overseas Bank's OGB - PHIRINGIA branch, located at ODISHA GRAMEEN BANK, PHIRINGIA BRANCH, AT/PO-PHIRINGIA, DIST-KANDHAMAL,… in PHIRINGIA, 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.
