Indian Overseas Bank
LPC LUDHIANA Branch, LUDHIANA
11-Character IFSC Anatomy Breakdown
Complete Branch Details
Electronic Transfer Capabilities & Limits
Available 24x7
Half-hourly batch clearance
Min. ₹2 Lakh
Real-time gross settlement
Instant Transfer
Up to ₹5 Lakh limit
1-Tap VPA
GPay, PhonePe, Paytm
How to Transfer Money to this Branch
- Log in to your mobile banking app or Internet Banking portal (SBI, HDFC, ICICI, etc.).
- Navigate to Fund Transfer → Add Beneficiary / Payee.
- Enter the recipient's Account Number and paste IFSC code IOBA0004081.
- Confirm bank name displays as Indian Overseas Bank and branch as LPC LUDHIANA.
- Select payment mode (IMPS for instant <₹5L, or RTGS for >₹2L) and authenticate with OTP/MPIN.
Frequently Asked Questions (IOBA0004081)
What is the IFSC code of Indian Overseas Bank LPC LUDHIANA branch? ↓
The verified 11-digit IFSC code is IOBA0004081. 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 LPC LUDHIANA? ↓
The 9-digit Magnetic Ink Character Recognition (MICR) code is N/A. 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 FOUNTAIN CHOWK,COLLEGE ROAD,LUDHIANA,PUNJAB,PIN-141001, located in LUDHIANA district, PUNJAB.
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