Indian Overseas Bank CIVIL LINES Branch IFSC Code
IOBA 0000446
Indian Overseas Bank CIVIL LINES — LUDHIANA, PUNJAB
MICR: 141020004
RTGS: ✓
NEFT: ✓
IMPS: ✓
UPI: ✓
Branch Details
- Bank
- Indian Overseas Bank
- Branch
- CIVIL LINES
- IFSC Code
- IOBA0000446
- MICR Code
- 141020004
- City
- LUDHIANA
- District
- LUDHIANA
- State
- PUNJAB
- Contact
- 2449530
How to Use This IFSC Code
NEFT Transfer
Use IFSC code IOBA0000446 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 IOBA0000446.
IMPS Transfer
IMPS is available 24×7 including holidays. Maximum ₹5 lakhs per transaction. Use IFSC code IOBA0000446.
IFSC Code Structure
I
O
B
A
0
0
0
0
4
4
6
- IOBA — Bank code (Indian Overseas Bank)
- 0 — Reserved (always 0)
- 000446 — Branch code (CIVIL LINES)
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 IOBA0000446 valid for online transfer?
Yes, IOBA0000446 is a valid IFSC code for Indian Overseas Bank CIVIL LINES branch in LUDHIANA, PUNJAB. You can use this code for NEFT, RTGS, and IMPS transfers.
What bank does IOBA0000446 belong to?
IOBA0000446 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 CIVIL LINES is 141020004. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing.
Can I do RTGS using IOBA0000446?
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.