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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.
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.
Read More – Odisha Gramya Bank Balance Check Number
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.
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
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.
To use OGB’s net banking services, customers need to register first. Here is how to do it:
After registering, customers can login to their net banking account:
If you forget your net banking password, don’t worry. You can reset it by following these steps:
OGB’s net banking platform is designed to make banking easy and efficient. Key features include:
Knowing transaction limits is essential for smooth banking. Here are the limits for OGB’s services:
Service | Transaction Limit |
NEFT | Up to ₹10 lakhs per transaction |
RTGS | Minimum ₹2 lakhs per transaction |
IMPS |
Odisha Gramya Bank provides competitive interest rates on deposits and loans, catering to various financial needs of rural customers. Below are the details:
Product | Interest Rate (Per Annum) |
Savings Account | 3.00% |
Fixed Deposit (1 Year) | 6.50% |
Recurring Deposit |
For any assistance or inquiries, you can reach out to us through the following channels:
Service Helpdesk
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:
Region | Number of Branches | Focus |
Balasore Region | 83 | Rural and semi-urban banking services, catering to agricultural and small business needs. |
Baripada Region |
Tribal development and financial inclusion, offering customised schemes for farmers and artisans.
Khurda Region
48
Urban banking services combined with outreach programs in rural areas.
Keonjhar Region
63
Mining and rural development, with credit schemes for small enterprises.
Up to ₹2 lakhs per transaction
Intra-bank Transfers | No specific limit |
6.25% |
Personal Loan | Starting from 9.50% |
Agricultural Loan | Starting from 7.00% |
49
Financial inclusion in tribal and rural areas, offering credit for agriculture and allied activities. |
Cuttack Region | 69 | Urban and rural banking with a mix of retail, MSME, and agricultural customers. |
Chandikhol Region | 77 | Rural banking with an emphasis on microfinance and self-help groups. |
Dhenkanal Region | 62 | Financial support for industrial and agricultural development in the region. |
Jashipur Region | 29 |
*T&C Apply
Pipli Region
69 |
Agricultural financing and support for rural entrepreneurship. |
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.
Also Read - HRMS Odisha – A Complete Guide for Odisha Government Employees
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.
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.
Other Net Banking Services | |||
