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

If you are searching for the IFSC code of Indian Overseas Bank, OGB -TINIMUHANI branch in TINIMUHANI, ODISHA, this page has every detail you need. The verified IFSC code for this branch is IOBA0GB4077. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the OGB -TINIMUHANI branch, and detailed step-by-step guides for using the IFSC IOBA0GB4077 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 -TINIMUHANI is IOBA0GB4077. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GB4077 map to this branch in TINIMUHANI, ODISHA.

Branch details at a glance

Bank profile

Indian Overseas Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ogb -Tinimuhani branch — IFSC IOBA0GB4077 — extends the bank's services to customers in and around Tinimuhani, Odisha.

About the Ogb -Tinimuhani branch

The Ogb -Tinimuhani branch of Indian Overseas Bank is situated at AT/PO TINIMUHANI,VIA/DIST KENDRAPARA,PIN 754211,. 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 IOBA0GB4077 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 -TINIMUHANI of Indian Overseas Bank — its own 11-character IFSC. The code IOBA0GB4077 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 IOBA0GB4077 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 IOBA0GB4077

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 IOBA0GB4077 across all three.

NEFT to Indian Overseas Bank, OGB -TINIMUHANI using IFSC IOBA0GB4077

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 IOBA0GB4077, and confirm that the system picks up Indian Overseas Bank – OGB -TINIMUHANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IOBA0GB4077

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 -TINIMUHANI, ensure your bank's portal accepts IFSC IOBA0GB4077 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Overseas Bank OGB -TINIMUHANI (IFSC IOBA0GB4077)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IOBA0GB4077 in your mobile or internet banking app, and the money is credited to the OGB -TINIMUHANI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IOBA0GB4077 for Indian Overseas Bank – OGB -TINIMUHANI, 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.

For most retail customers crediting the Ogb -Tinimuhani 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 -TINIMUHANI branch, the IFSC IOBA0GB4077 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 -Tinimuhani branch is mapped to IFSC IOBA0GB4077 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 IOBA0GB4077.

Products and services

Customers walking into the Ogb -Tinimuhani 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 IOBA0GB4077

MICR & cheque-truncation details

Cheques drawn on the Ogb -Tinimuhani branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0GB4077 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Ogb -Tinimuhani 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 IOBA0GB4077 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.

Common mistakes to avoid when using IFSC IOBA0GB4077

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 -TINIMUHANI, 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: IOBA0GB4077.
• 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.

How to reach the Ogb -Tinimuhani branch

The branch is located at AT/PO TINIMUHANI,VIA/DIST KENDRAPARA,PIN 754211,, which puts it inside Tinimuhani, the broader Kendrapara district, and the state of Odisha. To plan your visit:

1. Open Google Maps on your phone and search for “Indian Overseas Bank Ogb -Tinimuhani branch” — the verified location pin for IFSC IOBA0GB4077 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 IOBA0GB4077 and your account number.

Verifying IFSC IOBA0GB4077 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 IOBA0GB4077 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 -Tinimuhani 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 IOBA0GB4077 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IOBA0GB4077 belongs to Indian Overseas Bank's OGB -TINIMUHANI branch, located at AT/PO TINIMUHANI,VIA/DIST KENDRAPARA,PIN 754211, in TINIMUHANI, 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.