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Verified Branch

Indian Overseas Bank

IND AREA Branch, LUDHIANA

IFSC Code
IOBA0000390
Required for NEFT, RTGS, IMPS money transfers
MICR Code
141020005
Used in magnetic paper cheque clearing

11-Character IFSC Anatomy Breakdown

IOBA Bank Code (1-4)
0 Control Zero (5th)
000390 Branch Code (6-11)

Complete Branch Details

Full Address G T BYPASS RD,NEAR TRANSPORT NAGAR,INDTL AREA,LUDHIANA
State PUNJAB
District / City LUDHIANA
Centre / Region LUDHIANA
Contact / Helpline 2227094
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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 IOBA0000390.
  4. Confirm bank name displays as Indian Overseas Bank and branch as IND AREA.
  5. Select payment mode (IMPS for instant <₹5L, or RTGS for >₹2L) and authenticate with OTP/MPIN.

Frequently Asked Questions (IOBA0000390)

What is the IFSC code of Indian Overseas Bank IND AREA branch? ↓

The verified 11-digit IFSC code is IOBA0000390. 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 IND AREA? ↓

The 9-digit Magnetic Ink Character Recognition (MICR) code is 141020005. 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 G T BYPASS RD,NEAR TRANSPORT NAGAR,INDTL AREA,LUDHIANA, located in LUDHIANA district, PUNJAB.

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PAKHOVAL ROAD Branch

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ARYA COLLEGE BRCH Branch

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LUDHIANA RAHON ROAD Branch

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LUDHIANA CMC Branch

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SUNDER NAGAR Branch

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