Indian Overseas Bank PHAGWARA Branch IFSC Code
IOBA 0000344
Indian Overseas Bank PHAGWARA — KAPURTHALA, PUNJAB
MICR: 144020202
RTGS: ✓
NEFT: ✓
IMPS: ✓
UPI: ✓
Branch Details
- Bank
- Indian Overseas Bank
- Branch
- PHAGWARA
- IFSC Code
- IOBA0000344
- MICR Code
- 144020202
- City
- KAPURTHALA
- District
- PHAGWARA
- State
- PUNJAB
- Contact
- +911824260430
How to Use This IFSC Code
NEFT Transfer
Use IFSC code IOBA0000344 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 IOBA0000344.
IMPS Transfer
IMPS is available 24×7 including holidays. Maximum ₹5 lakhs per transaction. Use IFSC code IOBA0000344.
IFSC Code Structure
I
O
B
A
0
0
0
0
3
4
4
- IOBA — Bank code (Indian Overseas Bank)
- 0 — Reserved (always 0)
- 000344 — Branch code (PHAGWARA)
Nearby Indian Overseas Bank Branches in KAPURTHALA
PATTARKALAN
IOBA0000561
PATTARKALAN,PIN 144806
MICR: 144020009 RTGS ✓ NEFT ✓ IMPS ✓
KAPURTHALA
IOBA0002644
RAILWAY ROAD,ADJOINING APSLEY COOKER FACTORY,KAPURTHALA 144601
MICR: 144020252 RTGS ✓ NEFT ✓ IMPS ✓
Frequently Asked Questions
Is IOBA0000344 valid for online transfer?
Yes, IOBA0000344 is a valid IFSC code for Indian Overseas Bank PHAGWARA branch in KAPURTHALA, PUNJAB. You can use this code for NEFT, RTGS, and IMPS transfers.
What bank does IOBA0000344 belong to?
IOBA0000344 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 PHAGWARA is 144020202. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing.
Can I do RTGS using IOBA0000344?
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.