IFSC Code of Indian Overseas Bank, Ogb -Santragadia Branch, Odisha

Use this page as a one-stop reference for everything related to Indian Overseas Bank's OGB -SANTRAGADIA branch in SANTRAGADIA, ODISHA. The branch's IFSC code IOBA0GB4131 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Indian Overseas Bank – OGB -SANTRAGADIA is IOBA0GB4131. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB4131 map to this branch in SANTRAGADIA, ODISHA.

Branch details at a glance

About Indian Overseas Bank

Indian Overseas Bank operates a wide network of branches across India, including the Ogb -Santragadia branch in Santragadia. 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, IOBA0GB4131.

About the Ogb -Santragadia branch

The Ogb -Santragadia branch of Indian Overseas Bank is situated at AT -SANTRAGADIA, P.O. -SANTRAGADIA, DIST-BALASORE, PIN -756042.. 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 IOBA0GB4131 is used.

Why every Indian Overseas Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including OGB -SANTRAGADIA of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB4131 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IOBA0GB4131 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IOBA0GB4131

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 IOBA0GB4131 across all three.

How to use IFSC IOBA0GB4131 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's OGB -SANTRAGADIA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IOBA0GB4131.
4. Confirm the bank name auto-populates as Indian Overseas Bank and the branch as OGB -SANTRAGADIA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IOBA0GB4131

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 -SANTRAGADIA, ensure your bank's portal accepts IFSC IOBA0GB4131 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank OGB -SANTRAGADIA (IFSC IOBA0GB4131)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB4131 in your mobile or internet banking app, and the money is credited to the OGB -SANTRAGADIA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ogb -Santragadia

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 IOBA0GB4131:

• 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 -SANTRAGADIA is still linked to IFSC IOBA0GB4131.

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 IOBA0GB4131

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 -SANTRAGADIA is still mapped to IFSC IOBA0GB4131. 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 IOBA0GB4131 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ogb -Santragadia branch is mapped to IFSC IOBA0GB4131 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 IOBA0GB4131.

Banking services available

The Ogb -Santragadia 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 IOBA0GB4131

MICR & cheque-truncation details

Cheques drawn on the Ogb -Santragadia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB4131 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IOBA0GB4131

Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the OGB -SANTRAGADIA 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 IOBA0GB4131 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.

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 -SANTRAGADIA:

• The IFSC is exactly IOBA0GB4131 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 -SANTRAGADIA 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 -Santragadia branch

The branch is located at AT -SANTRAGADIA, P.O. -SANTRAGADIA, DIST-BALASORE, PIN -756042., which puts it inside Santragadia, the broader Balasore district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Santragadia branch” — the verified location pin for IFSC IOBA0GB4131 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 IOBA0GB4131 and your account number.

Verifying IFSC IOBA0GB4131 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 IOBA0GB4131 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 -Santragadia 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 IOBA0GB4131 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IOBA0GB4131 is the IFSC code of Indian Overseas Bank, OGB -SANTRAGADIA branch, in SANTRAGADIA, 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.