IOBABranch Code: 000446

Indian Overseas Bank IFSC Code

CIVIL LINES Branch, LUDHIANA, LUDHIANA, Punjab

Primary IFSC Code

IOBA0000446

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

The official Indian Financial System Code (IFSC) for Indian Overseas Bank, CIVIL LINES branch in LUDHIANA, Punjab is IOBA0000446. The MICR code for cheque clearance is 141020004.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Indian Overseas Bank
Branch Name: CIVIL LINES
MICR Code: 141020004
City / District: LUDHIANA (LUDHIANA)
State: Punjab
Postal Pincode: N/A

Full Branch Address

FOUNTAIN CHOWK,CIVIL LINES,LUDHIANA

Contact Details

Phone: 2449530

How to Read IFSC Code: IOBA0000446

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.

000446Branch 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 (IOBA0000446)

What is the IFSC Code for Indian Overseas Bank CIVIL LINES branch?

The IFSC Code for Indian Overseas Bank CIVIL LINES branch in LUDHIANA, Punjab is IOBA0000446. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Indian Overseas Bank CIVIL LINES branch?

The branch is located at: FOUNTAIN CHOWK,CIVIL LINES,LUDHIANA, LUDHIANA, Punjab.

What is the MICR Code for Indian Overseas Bank CIVIL LINES?

The MICR Code for electronic cheque clearing at Indian Overseas Bank CIVIL LINES is 141020004.

How can I contact Indian Overseas Bank CIVIL LINES branch?

You can contact the branch at: Phone: 2449530. For official national customer care, refer to Indian Overseas Bank's official banking channels.

How to decipher the IFSC code IOBA0000446?

The first 4 characters 'IOBA' represent Indian Overseas Bank. The 5th character is '0' reserved for future use. The last 6 characters '000446' represent the specific CIVIL LINES branch code.