Indian Overseas Bank GUJJARWAL Branch IFSC Code
IOBA 0000197
Indian Overseas Bank GUJJARWAL — LUDHIANA, PUNJAB
MICR: 141020521
RTGS: ✓
NEFT: ✓
IMPS: ✓
UPI: ✓
Branch Details
- Bank
- Indian Overseas Bank
- Branch
- GUJJARWAL
- IFSC Code
- IOBA0000197
- MICR Code
- 141020521
- City
- LUDHIANA
- District
- GAJJARWAL
- State
- PUNJAB
- Contact
- 2864378
How to Use This IFSC Code
NEFT Transfer
Use IFSC code IOBA0000197 to send money via NEFT to this branch. NEFT transfers are processed in hourly batches during working hours. No minimum amount required.
RTGS Transfer
This branch supports RTGS for high-value instant transfers above ₹2 lakhs. Use the same IFSC code IOBA0000197.
IMPS Transfer
IMPS is available 24×7 including holidays. Maximum ₹5 lakhs per transaction. Use IFSC code IOBA0000197.
IFSC Code Structure
I
O
B
A
0
0
0
0
1
9
7
- IOBA — Bank code (Indian Overseas Bank)
- 0 — Reserved (always 0)
- 000197 — Branch code (GUJJARWAL)
Nearby Indian Overseas Bank Branches in LUDHIANA
LUDHIANA MAIN
IOBA0000047
1 ST FLOOR,SAINKIK REST HOUSE, KACHERI ROAD,LUDHIANA,PIN 141001
MICR: 141020006 RTGS ✓ NEFT ✓ IMPS ✓
AKALGARH GURUSAR SUDHAR
IOBA0000187
AKHAL GARHGURUSARSUDHAR, PO KHALSA COLLEGE
RTGS ✓ NEFT ✓ IMPS ✓
KATANIKALAN
IOBA0000188
CHANDIGARH ROAD, VIL PO, KATANIKALAN141113
RTGS ✓ NEFT ✓ IMPS ✓
BADDOWAL
IOBA0000204
MAIN ROAD,BADDOWAL PIN 142021
MICR: 141020026 RTGS ✓ NEFT ✓ IMPS ✓
BROWN ROAD
IOBA0000342
C M C ROSS HOSTEL BLDG,BROWN RODLUDHIANA
MICR: 141020002 RTGS ✓ NEFT ✓ IMPS ✓
Frequently Asked Questions
Is IOBA0000197 valid for online transfer?
Yes, IOBA0000197 is a valid IFSC code for Indian Overseas Bank GUJJARWAL branch in LUDHIANA, PUNJAB. You can use this code for NEFT, RTGS, and IMPS transfers.
What bank does IOBA0000197 belong to?
IOBA0000197 belongs to Indian Overseas Bank. The first 4 characters "IOBA" identify the bank.
What is the MICR code for this branch?
The MICR code for Indian Overseas Bank GUJJARWAL is 141020521. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing.
Can I do RTGS using IOBA0000197?
Yes, this branch supports RTGS (Real Time Gross Settlement). RTGS is used for high-value instant transfers above ₹2 lakhs. Available on working days during RBI specified hours.