IOBABranch Code: 000390

Indian Overseas Bank IFSC Code

IND AREA Branch, LUDHIANA, LUDHIANA, Punjab

Primary IFSC Code

IOBA0000390

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Indian Overseas Bank, IND AREA branch in LUDHIANA, Punjab is IOBA0000390. The MICR code for cheque clearance is 141020005.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Indian Overseas Bank
Branch Name: IND AREA
MICR Code: 141020005
City / District: LUDHIANA (LUDHIANA)
State: Punjab
Postal Pincode: N/A

Full Branch Address

G T BYPASS RD,NEAR TRANSPORT NAGAR,INDTL AREA,LUDHIANA

Contact Details

Phone: 2227094

How to Read IFSC Code: IOBA0000390

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

IOBABank Identifier

First 4 alphabetic characters identify Indian Overseas Bank.

0Control Character

5th character is always numeral '0', reserved for future use.

000390Branch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Indian Overseas Bank (IOBA0000390)

What is the IFSC Code for Indian Overseas Bank IND AREA branch?

The IFSC Code for Indian Overseas Bank IND AREA branch in LUDHIANA, Punjab is IOBA0000390. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Indian Overseas Bank IND AREA branch?

The branch is located at: G T BYPASS RD,NEAR TRANSPORT NAGAR,INDTL AREA,LUDHIANA, LUDHIANA, Punjab.

What is the MICR Code for Indian Overseas Bank IND AREA?

The MICR Code for electronic cheque clearing at Indian Overseas Bank IND AREA is 141020005.

How can I contact Indian Overseas Bank IND AREA branch?

You can contact the branch at: Phone: 2227094. For official national customer care, refer to Indian Overseas Bank's official banking channels.

How to decipher the IFSC code IOBA0000390?

The first 4 characters 'IOBA' represent Indian Overseas Bank. The 5th character is '0' reserved for future use. The last 6 characters '000390' represent the specific IND AREA branch code.