IOBA0000446 — Indian Overseas Bank, Civil Lines
IOBA0000446 is the IFSC code of Indian Overseas Bank, Civil Lines branch, Ludhiana, Punjab. MICR 141020004. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0000446 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Civil Lines |
| Address | FOUNTAIN CHOWK,CIVIL LINES,LUDHIANA |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| MICR code | 141020004 |
| SWIFT code | — |
| Phone | 2449530 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Indian Overseas Bank branches in Ludhiana
- Akalgarh Gurusar Sudhar — IOBA0000187
- Arya College Brch — IOBA0001406
- Baddowal — IOBA0000204
- Baddowal Fad Baddowal Cantonment — IOBA0001723
- Baranhara — IOBA0003047
- Brown Road — IOBA0000342
- Chakohi — IOBA0000575
- Dhandari Kalan — IOBA0004120
- Gujjarwal — IOBA0000197
- Halwara — IOBA0001727
- Ind Area — IOBA0000390
- Jagraon — IOBA0000389
How to read IFSC IOBA0000446
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 000446 | Branch code – Civil Lines, Ludhiana |
The MICR code 141020004 is printed at the bottom of cheques from this branch: 141 is the city code, 020 the bank code and 004 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Civil Lines
Payments this branch can receive using IFSC IOBA0000446:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC IOBA0000446.
Questions about IFSC IOBA0000446
What is the IFSC code of Indian Overseas Bank, Civil Lines branch?
The IFSC code of Indian Overseas Bank, Civil Lines branch (Ludhiana, Punjab) is IOBA0000446.
What is the MICR code of Indian Overseas Bank, Civil Lines?
The MICR code of this branch is 141020004.
Where is Indian Overseas Bank, Civil Lines branch located?
The branch address is FOUNTAIN CHOWK,CIVIL LINES,LUDHIANA (Punjab).
Does IOBA0000446 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.