Why Was Odisha Grameen Bank Formed by Merging Two Regional Banks?

From May 1, 2025, Odisha Gramya Bank and Utkal Grameen Bank are being merged into a single entity named Odisha Grameen Bank, as per the Government of India notification dated April 7, 2025. Utkal Grameen Bank (sponsored by SBI) will now operate under Odisha Gramya Bank, which is sponsored by Indian Overseas Bank.

This move is done to simplify the banking process and expand the reach all over rural areas and towns, and enhance the digital banking infrastructure under one unified system.

What Should Customers Know About This Banking Merger?

If you’re an existing customer of Utkal Grameen Bank, there’s no disruption to your services. Your:

• Account number
• IFSC code
• Cheque book
• ATM card
• Mobile number linkage
• Digital banking setup

will remain valid until any technical migration is completed. You may continue using the Utkal Grameen Bank balance check number. (Ensure the service is activated by your branch)

Where Can You Access Your Odisha Grameen Bank Balance?

As per the Odisha Gramya Bank Wikipedia page, The Bank offers its customers numerous rapid methods to avail of their account balance. Whether literate or not, there is something that will finally meet the requirements of everyone.

How Many Methods Are Available to Check the Account Balance?

As of now, you can check your OGB account balance through the following six major methods:

1. Missed call balance number
2. Internet banking portal
3. ATM or micro ATM
4. AEPS via Aadhaar
5. Customer care helpline
6. Branch passbook update

Let’s now explore each in detail, grouped by category.

What is the current Missed Call Banking Number for Odisha Gramya Bank?

Hands down, right now, I have the simplest method, no apps, no signup, no login, just a phone and a bank account registered mobile number SIM must be inserted into it.

As per the e-services page of Odisha Gramya Bank, the bank introduced the 8010106686 missed call alert number to check balance via SMS to their savings and current account holder customers.

Follow the steps to get a balance –

1. Make Sure Your mobile number is linked with your savings or current account at OGB Bank. (If not, please visit your home branch and ask the help desk to update your new phone number)
2. From your registered mobile number, please dial the number and wait for a few seconds. It automatically cuts the call.
3. Within moments, you will get an SMS with the last 4 digits of your account number and current account balance.

What are the Digital Methods to Check Your OGB Account Balance?

1. OGB Internet Banking

If you are comfortable, have a smartphone with the internet, and want to balance enquiries with a few additional services as well, this is an excellent way to access your bank account anytime.

It not only provides you with balance, but also allows you to send money to anyone using NEFT, IMPS, and RTGS, Types of Fast payment options.

Let’s follow the steps on how to register, log in, and get the balance using the OGB net banking facility –

Register With OGB Online Banking

1. Go to the official website www.odishabank.in and tap on the Internet banking option.
2. Go to the Login/Register option, tap on the Register Now button on the upper side.
3. Enter your customer ID (Please find your customer ID on your passbook or other bank documents). However, you can either enter your bank account number as well.
4. Get OTP to your registered mobile number. Please enter the OTP to verify.
5. Now, Set Your USERNAME and Password to log in anytime.

Tip: If you are having issues while registering, please visit your home branch to activate it directly.

2 Step: Log In to Internet Banking

• Go to https://ebank.odishagramyabank.in/RetailBanking/ official page.
• Enter your created Username, Password, and Captcha.
• Tap on the login button to access your bank account dashboard.

3 Step: Check Your Balance

• Congrats, you successfully created your Netbanking account online, and are ready to check your balance within a few clicks.
• Once you log in, the welcome dashboard will appear, and tap on My Account.
• All Set! Select your account number and tap on View Balance.

Tip: You can get a mini statement, an account statement PDF, find the last transaction details, and transfer money as well using one OGB net banking account.

Direct Methods That Use Card or Aadhaar for Balance Enquiry

1. Use AEPS Using Aadhaar

If you prefer aadhaar-based banking, AEPS is a game-changer. It allows Cash Deposits, Cash withdrawals, Balance Enquiry, and Mini Statement.

The Business Correspondent is mostly located in all unbanked Sub-Service Areas. To find it, use the OGB Bank BC Locator available at the official website of Odhisa Gramin Bank.

Follow the steps –

1. Use the BC Locator to find a nearby Business Correspondent (BC) agent or Micro ATM.
2. Go there and provide your Aadhaar number linked to your bank account.
3. Select the Enquiry option and authenticate with your fingerprint.
4. All Set! View your current balance on display.

2. Where Can You Use an ATM or a Micro ATM

You can use your RuPay debit card at:

• Any OGB ATM
• Any RuPay-supported ATM
• Mobile VAN ATMs
• Micro ATMs in rural areas

To find the Nearest RuPay-supported ATM, you can use the RuPay ATM Locator by NPCI.

1. Use the locator to visit the ATM.
2. Insert your card, select language, enter ATM PIN, and select balance enquiry.
3. Choose account type (Example – Savings or Current account)
4. Your account balance will pop up on the screen. You can request to print it as well.

Real-World Methods Without Devices or Internet

1. Visit your home branch

For a physical record or if digital options aren’t working:

Steps:

• Simply, Take Your Passbook to your home branch of OGB Bank.
• Ask the Bank Staff to update it and get the latest balance and transactions.

This is the most secure method and perfect for senior citizens or less tech-savvy customers.