IFSC Drill PRO
Bank Branch & IFSC Finder
Indian Overseas Bank Logo
Verified Branch

Indian Overseas Bank

LUDHIANA MAIN Branch, LUDHIANA

IFSC Code
IOBA0000047
Required for NEFT, RTGS, IMPS money transfers
MICR Code
141020006
Used in magnetic paper cheque clearing

11-Character IFSC Anatomy Breakdown

IOBA Bank Code (1-4)
0 Control Zero (5th)
000047 Branch Code (6-11)

Complete Branch Details

Full Address 1 ST FLOOR,SAINKIK REST HOUSE, KACHERI ROAD,LUDHIANA,PIN 141001
State PUNJAB
District / City LUDHIANA
Centre / Region LUDHIANA
Contact / Helpline +911612750169
Share WhatsApp View on Map

Electronic Transfer Capabilities & Limits

NEFT

Available 24x7

Half-hourly batch clearance

RTGS

Min. ₹2 Lakh

Real-time gross settlement

IMPS

Instant Transfer

Up to ₹5 Lakh limit

UPI / QR

1-Tap VPA

GPay, PhonePe, Paytm

How to Transfer Money to this Branch

  1. Log in to your mobile banking app or Internet Banking portal (SBI, HDFC, ICICI, etc.).
  2. Navigate to Fund Transfer → Add Beneficiary / Payee.
  3. Enter the recipient's Account Number and paste IFSC code IOBA0000047.
  4. Confirm bank name displays as Indian Overseas Bank and branch as LUDHIANA MAIN.
  5. Select payment mode (IMPS for instant <₹5L, or RTGS for >₹2L) and authenticate with OTP/MPIN.

Frequently Asked Questions (IOBA0000047)

What is the IFSC code of Indian Overseas Bank LUDHIANA MAIN branch? ↓

The verified 11-digit IFSC code is IOBA0000047. This unique alphanumeric code is used for routing electronic fund transfers via NEFT, RTGS, IMPS, and clearing networks across India.

Can I transfer money on Sundays and bank holidays using this IFSC code? ↓

Yes! Under Reserve Bank of India (RBI) directives, NEFT, RTGS, IMPS, and UPI operate 24x7x365, including Sundays, second/fourth Saturdays, and public holidays. Electronic transfers will be processed automatically without branch intervention.

What is the MICR code of Indian Overseas Bank LUDHIANA MAIN? ↓

The 9-digit Magnetic Ink Character Recognition (MICR) code is 141020006. It is printed on cheque leaves for high-speed automated sorting at RBI clearing houses.

Where is the branch located? ↓

The official branch address is 1 ST FLOOR,SAINKIK REST HOUSE, KACHERI ROAD,LUDHIANA,PIN 141001, located in LUDHIANA district, PUNJAB.

Other Indian Overseas Bank Branches in LUDHIANA

IOBA0001898

RISHINAGAR Branch

LUDHIANA, PUNJAB

 IOBA0002013

R O LUDHIANA Branch

LUDHIANA, PUNJAB

 IOBA0002069

LUDHIANABHADAUR HOUSE Branch

LUDHIANA, PUNJAB

 IOBA0004081

LPC LUDHIANA Branch

LUDHIANA, PUNJAB

 IOBA0000342

BROWN ROAD Branch

LUDHIANA, PUNJAB

 IOBA0000390

IND AREA Branch

LUDHIANA, PUNJAB

 IOBA0000446

CIVIL LINES Branch

LUDHIANA, PUNJAB

 IOBA0001123

PAKHOVAL ROAD Branch

LUDHIANA, PUNJAB

Explore Nearby Banking Directories

All Indian Overseas Bank Branches Indian Overseas Bank in PUNJAB Indian Overseas Bank in LUDHIANA All Banks in LUDHIANA