Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB -SANKHATRAS branch in SANKHATRAS, ODISHA. The branch's IFSC code IOBA0GB4080 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.
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, IOBA0GB4080 is the IFSC of Indian Overseas Bank's OGB -SANKHATRAS branch. The format is fixed: IOBA = bank code, 0 = reserved, GB4080 = branch identifier.
Bank profile
Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ogb -Sankhatras branch — IFSC IOBA0GB4080 — extends the bank's services to customers in and around Sankhatras, Odisha.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Ogb -Sankhatras |
| IFSC Code | IOBA0GB4080 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ATSANKHATRAS,POST-SANKHATRAS,VIA-GOPALPUR,DISTRICT-CUTTACK,PIN-753052 |
| City | Sankhatras |
| District | Cuttack |
| State | Odisha |
About the Ogb -Sankhatras branch
The Ogb -Sankhatras branch of Indian Overseas Bank is situated at ATSANKHATRAS,POST-SANKHATRAS,VIA-GOPALPUR,DISTRICT-CUTTACK,PIN-753052. 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 IOBA0GB4080 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 -SANKHATRAS branch came to be assigned the code IOBA0GB4080.
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 IOBA0GB4080, money simply cannot be routed to the OGB -SANKHATRAS branch electronically.
Products and account variants supported
Every account opened at the Ogb -Sankhatras branch is mapped to IFSC IOBA0GB4080 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 IOBA0GB4080.
Banking services available
The Ogb -Sankhatras 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 IOBA0GB4080
How to transfer money using IFSC IOBA0GB4080
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 IOBA0GB4080 across all three.
NEFT to Indian Overseas Bank, OGB -SANKHATRAS using IFSC IOBA0GB4080
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 IOBA0GB4080, and confirm that the system picks up Indian Overseas Bank – OGB -SANKHATRAS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC IOBA0GB4080
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 -SANKHATRAS, ensure your bank's portal accepts IFSC IOBA0GB4080 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 -SANKHATRAS, use IMPS. With IFSC IOBA0GB4080 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 -Sankhatras
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 IOBA0GB4080:
- 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 -SANKHATRAS is still linked to IFSC IOBA0GB4080.
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.
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 -SANKHATRAS branch, the IFSC IOBA0GB4080 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.
Online banking and IFSC IOBA0GB4080
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB -SANKHATRAS 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 IOBA0GB4080 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 IOBA0GB4080 and the account number together uniquely identify the Ogb -Sankhatras 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 -SANKHATRAS:
- The IFSC is exactly IOBA0GB4080 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 -SANKHATRAS 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.
How to reach the Ogb -Sankhatras branch
The branch is located at ATSANKHATRAS,POST-SANKHATRAS,VIA-GOPALPUR,DISTRICT-CUTTACK,PIN-753052, which puts it inside Sankhatras, the broader Cuttack district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Sankhatras branch” — the verified location pin for IFSC IOBA0GB4080 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 IOBA0GB4080 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0GB4080 for Indian Overseas Bank – OGB -SANKHATRAS, 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 -Sankhatras branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IOBA0GB4080, however, work 24x7.
Branch address & contact
Indian Overseas BankOgb -Sankhatras Branch
ATSANKHATRAS,POST-SANKHATRAS,VIA-GOPALPUR,DISTRICT-CUTTACK,PIN-753052
Sankhatras, Odisha
Phone: the branch contact number
IFSC: IOBA0GB4080
Frequently asked questions
How quickly will an NEFT transfer using IOBA0GB4080 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Ogb -Sankhatras reflect within 30 minutes.
Can I use IFSC IOBA0GB4080 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0GB4080 to send funds instantly.
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 -Sankhatras branch but serve different purposes.
What is the IFSC code of Indian Overseas Bank Ogb -Sankhatras branch?
The IFSC code of Indian Overseas Bank, Ogb -Sankhatras branch is IOBA0GB4080. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Indian Overseas Bank Ogb -Sankhatras branch located?
Indian Overseas Bank's Ogb -Sankhatras branch is located at ATSANKHATRAS,POST-SANKHATRAS,VIA-GOPALPUR,DISTRICT-CUTTACK,PIN-753052, Sankhatras, Odisha.
How do I add Indian Overseas Bank Ogb -Sankhatras as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0GB4080, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IOBA0GB4080 the same for all accounts at Ogb -Sankhatras branch?
Yes. The IFSC IOBA0GB4080 is shared by every account held at Indian Overseas Bank's Ogb -Sankhatras branch. Only the account number changes from customer to customer.
Is IFSC IOBA0GB4080 valid for NEFT and RTGS?
Yes. IFSC IOBA0GB4080 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code IOBA0GB4080 belongs to Indian Overseas Bank's OGB -SANKHATRAS branch, located at ATSANKHATRAS,POST-SANKHATRAS,VIA-GOPALPUR,DISTRICT-CUTTACK,PIN-753052 in SANKHATRAS, 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.
