OGB Net Banking – Your Trusted Partner for Online Banking

Imagine a farmer in a small village in Odisha who has just harvested a good crop. Instead of travelling long distances to deposit his hard-earned money, now he is able to carry out all his banking transactions from home through the net banking services of Odisha Gramya Bank (OGB). This is a remarkable step toward making banking easy, safe, and accessible for people in rural areas.

The establishment of Odisha Gramya Bank, which was formed by the merger of three designated regional rural banks on January 7, 2013, was aimed at providing better banking services developed around the needs of and targeted at providing complete banking solutions to the rural populace. This article will take a look at the services provisioned by Odisha Gramya Bank (OGB) as payment and delivery channels for net banking and customer support services.

What is Odisha Gramya Bank?

Odisha Gramya Bank (OGB) is thus part of the Indian government's efforts at strengthening rural banking services. It is a scheduled bank incorporated within the Second Schedule of the Reserve Bank of India Act, 1934.

The bank is co-owned by three parties—the Government of India, the Government of Odisha, and Indian Overseas Bank—in a proportion of 50:15:35, thus providing strong backing to ensure well-funded bank services and availability of many different financial services by rural customers.

Services Provided by Odisha Gramya Bank 

OGB has a plethora of solutions specially designed to cater to the financial needs of rural customers. For instance, micro ATMs and AEPS serve the purpose of allowing distant people to make transactions without visiting a branch. 

The net banking platform, which allows even village inhabitants to perform all their required banking functions online, is complemented by SMS alerts that keep customers informed about their account status, thus enhancing financial awareness.

Key Services

1. Payment Systems
   
   
   • NEFT (National Electronic Funds Transfer): For transferring money across banks in India.
   • RTGS (Real Time Gross Settlement): Suitable for large-value money transfers.
   • IMPS (Immediate Payment Service): Ideal for quick, small transfers.
   • AEPS (Aadhaar Enabled Payment System): Allows banking transactions using Aadhaar authentication.
     
     
2. Delivery Channels
   
   
   • Net Banking: A platform to access banking services online.
   • ATMs: Convenient cash withdrawal and other basic services.
   • POS (Point of Sale): For card-based transactions.
   • Micro ATMs: Portable ATMs available in remote areas.
   • SMS Alerts: Regular updates about account activity and transactions.
     
     
3. Alerts and Notifications
   
   
   • Customers receive timely notifications about their account activities via SMS alerts, missed call alert services, and e-commerce services. This ensures they stay updated on their finances.
     
     
4. Other Facilities
   
   
   • Safe Deposit Lockers: To store valuables securely.
   • Western Union Money Transfer: For international money transfers.
   • EMI Calculator: An online tool to help customers calculate their loan installments.
   • Customer Support: A dedicated team to assist with queries and issues, reachable via phone or email.
     
     

What is Net Banking?

Online banking or net banking facilitates customers to do their banking operations over the Internet. For example, suppose there is a businessman in a rural place. With the help of net banking, he can now transfer the payment to the respective suppliers without the need to go towards the nearest branch. OGB's net banking platform makes it easy for the customer to carry out fund transfers, bill payments, and account management in the comfort of home.

Registration for Net Banking

To use OGB’s net banking services, customers need to register first. Here is how to do it:

1. Visit the Official Website: Open the OGB net banking portal.
   
   
2. Navigate to Net Banking: In the navigation bar, select the 'Net Banking' option. From the drop-down menu, click on 'Login/Register.'
   
   
3. Register: In the Login section click on “Register now”
   
   
4. Provide Your Details: Enter your account number and registered mobile number, then click on the 'Register' option.
   
   
5. Set a Secure Password: Create a strong password following the bank's security guidelines.
   
   
6. Submit the Registration Form: Complete the process by submitting your details.
   
   
7. Confirmation Message: You will receive a confirmation message on your registered mobile number once your registration is successful.

How to Login for OGB Net Banking?

After registering, customers can login to their net banking account:

1. Visit the Portal: Go to the OGB net banking website and click on login/Register in the “Net Banking” section on the Homepage.
   
   
2. Enter Credentials: Input your user ID and password.
   
   
3. CAPTCHA: Complete with entering the "CAPTCHA.”
   
   
4. Access Your Account: You can now view your account dashboard and perform  banking transactions.
   
   

What to Do If You Forget Your Password?

If you forget your net banking password, don’t worry. You can reset it by following these steps:

1. Visit the Login Page: Go to the OGB net banking portal.
   
   
2. Access the Login/Register Option: In the navigation bar, select 'Net Banking' and choose 'Login/Register' from the drop-down menu.
   
   
3. Select "Trouble Logging In": On the login page, find and click on the "Trouble Logging In" option.
   
   
4. Click on 'Forgot Password': Under the "Trouble Logging In" section, select the 'Forgot Password' option.
   
   
5. Enter Required Information: Provide your user ID and any other requested details.
   
   
6. Verify with OTP: You will receive an OTP on your registered mobile number. Enter the OTP to proceed.
   
   
7. Reset Your Password: Create a new password that complies with the bank's security standards.
   
   
8. Login Again: Use your new password to log in and regain access to your account.

Features of OGB Net Banking

OGB’s net banking platform is designed to make banking easy and efficient. Key features include:

1. Fund Transfers: Transfer money using NEFT, RTGS, or IMPS, depending on your needs.
   
   
2. Bill Payments: Pay utility bills, credit card dues, and other charges online.
   
   
3. Account Management: View account statements, check balances, and manage multiple accounts.
   
   
4. Loan Applications: Apply for personal, vehicle, or home loans through the portal.
   
   
5. Investment Options: Open fixed deposits or recurring deposits to grow your savings.

OGB Net Banking Transaction Limits

Knowing transaction limits is essential for smooth banking. Here are the limits for OGB’s services:

OGB Interest Rates

Odisha Gramya Bank provides competitive interest rates on deposits and loans, catering to various financial needs of rural customers. Below are the details:

Contact Us

For any assistance or inquiries, you can reach out to us through the following channels:

Service Helpdesk

• General Banking
  • Customer Service and Grievance Redressal
    • Telephone: 033-69026902
    • E-mail: customerservice@odishabank.in

Customer Service and Grievance Nodal Officer

• General Manager
  • Odisha Gramya Bank, Head Office
  • Gandamunda, Khandagiri, Bhubaneswar - 751030
  • Telephone: 0674-2353008
  • E-mail: gm.customerservice@odishabank.in

Odisha Gramya Bank: Regional Structure and Branch Distribution

Odisha Gramya Bank operates through 549 branches, with a significant focus on providing services to rural and remote areas. The bank's branches are categorised under nine regional offices for efficient management and service delivery:

Conclusion

Odisha Gramya Bank through its varied online banking services makes the banking experience much easier for rural India. It has made the banking process possible and accessible to most customers through the empowering net banking facility. Bank net banking will save you a lot of time and effort besides allowing you to manage your money from anywhere and whenever you want. Whether you need money-transferring services, to pay bills, or apply online for a loan, OGB offers you everything.

And with a deep commitment to rural banking, Odisha Gramya Bank is much more of a partner in the growth and development of rural Odisha than a mere financial institution. Therefore, whether you are a farmer, a small businessman, or a housewife, the features of OGB Net Banking will help you achieve your financial goals without any hassle.

OGB Net Banking FAQs

What should I do if I face issues with net banking?

Contact OGB’s customer service at 033-69026902 or email them at customerservice@odishabank.in.

Is there a mobile app for OGB?

Currently, OGB’s net banking services are accessible through its website. However, you can use a mobile browser to access the portal.

Can I open a new account through net banking?

At present, opening a new account requires a visit to a branch. However, you can manage your existing accounts online.

Are there any charges for net banking?

Most net banking services are free, but some transactions, like fund transfers, may have nominal fees. Check with the bank for exact details.

How secure is OGB’s net banking?

OGB uses advanced security measures like encryption and two-factor authentication to protect customer data and transactions.

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