IOBA0002663 — Indian Overseas Bank, Sbs Nagar Ludhiana
IOBA0002663 is the IFSC code of Indian Overseas Bank, Sbs Nagar Ludhiana branch, Ludhiana, Punjab. MICR 141020023. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | IOBA0002663 |
|---|---|
| Bank | Indian Overseas Bank |
| Branch | Sbs Nagar Ludhiana |
| Address | SBS NAGAR,PAKHOWAL ROAD,LUDHIANA 141013 |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| MICR code | 141020023 |
| SWIFT code | — |
| Phone | +914428584896 |
| 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
- Civil Lines — IOBA0000446
- Dhandari Kalan — IOBA0004120
- Gujjarwal — IOBA0000197
- Halwara — IOBA0001727
- Ind Area — IOBA0000390
How to read IFSC IOBA0002663
| Part | Meaning |
|---|---|
| IOBA | Bank code – Indian Overseas Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 002663 | Branch code – Sbs Nagar Ludhiana, Ludhiana |
The MICR code 141020023 is printed at the bottom of cheques from this branch: 141 is the city code, 020 the bank code and 023 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Indian Overseas Bank, Sbs Nagar Ludhiana
Payments this branch can receive using IFSC IOBA0002663:
- 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 IOBA0002663.
Questions about IFSC IOBA0002663
What is the IFSC code of Indian Overseas Bank, Sbs Nagar Ludhiana branch?
The IFSC code of Indian Overseas Bank, Sbs Nagar Ludhiana branch (Ludhiana, Punjab) is IOBA0002663.
What is the MICR code of Indian Overseas Bank, Sbs Nagar Ludhiana?
The MICR code of this branch is 141020023.
Where is Indian Overseas Bank, Sbs Nagar Ludhiana branch located?
The branch address is SBS NAGAR,PAKHOWAL ROAD,LUDHIANA 141013 (Punjab).
Does IOBA0002663 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.