Indian Overseas Bank IND AREA Branch IFSC Code
IOBA 0000390
Indian Overseas Bank IND AREA — LUDHIANA, PUNJAB
MICR: 141020005
RTGS: ✓
NEFT: ✓
IMPS: ✓
UPI: ✓
Branch Details
- Bank
- Indian Overseas Bank
- Branch
- IND AREA
- IFSC Code
- IOBA0000390
- MICR Code
- 141020005
- City
- LUDHIANA
- District
- LUDHIANA
- State
- PUNJAB
- Contact
- 2227094
How to Use This IFSC Code
NEFT Transfer
Use IFSC code IOBA0000390 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 IOBA0000390.
IMPS Transfer
IMPS is available 24×7 including holidays. Maximum ₹5 lakhs per transaction. Use IFSC code IOBA0000390.
IFSC Code Structure
I
O
B
A
0
0
0
0
3
9
0
- IOBA — Bank code (Indian Overseas Bank)
- 0 — Reserved (always 0)
- 000390 — Branch code (IND AREA)
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 ✓
GUJJARWAL
IOBA0000197
NEAR GURUDWARA JAI SIN MAIN BAZAAR GUJJARWAL PIN 141202
MICR: 141020521 RTGS ✓ NEFT ✓ IMPS ✓
BADDOWAL
IOBA0000204
MAIN ROAD,BADDOWAL PIN 142021
MICR: 141020026 RTGS ✓ NEFT ✓ IMPS ✓
Frequently Asked Questions
Is IOBA0000390 valid for online transfer?
Yes, IOBA0000390 is a valid IFSC code for Indian Overseas Bank IND AREA branch in LUDHIANA, PUNJAB. You can use this code for NEFT, RTGS, and IMPS transfers.
What bank does IOBA0000390 belong to?
IOBA0000390 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 IND AREA is 141020005. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing.
Can I do RTGS using IOBA0000390?
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.