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Indian Overseas Bank · Ludhiana

IOB Civil Lines IFSC code

IFSC code
✔ In RBI list v2.0.62
IOBA0000446
MICR code
141City
020Bank
004Branch
IFSC code
IOBA0000446
MICR code
141020004
Bank
Indian Overseas Bank
Branch
Civil Lines
Address
FOUNTAIN CHOWK,CIVIL LINES,LUDHIANA
City
Ludhiana
District
Ludhiana
State
Punjab
Bank code
IOBA
Branch code
000446
Contact
2449530
Payment systems
NEFT, RTGS, IMPS, UPI
Quick summary✔ RBI data Last synced · release v2.0.62

The IFSC code of Indian Overseas Bank, Civil Lines branch (Ludhiana, Punjab) is IOBA0000446. Its MICR code is 141020004. Use the IFSC for NEFT, RTGS and IMPS transfers to accounts at this branch.

Branch overview

  • Bank code IOBA — identifies Indian Overseas Bank
  • 5th character 0 — reserved by the RBI
  • Branch code 000446 — identifies Civil Lines
  • MICR 141020004 — city 141, bank 020, branch 004
  • Payments NEFT, RTGS, IMPS, UPI

Sources & verification

  • ✔ Official source: RBI IFSC & MICR master list
  • ✔ Dataset release v2.0.62
  • ✔ Last updated 24 October 2026
  • ✔ Format checked (11-character IFSC, 9-digit MICR)

Other IOB branches in Ludhiana

BranchIFSCMICR
Ludhiana Main
1 ST FLOOR,SAINKIK REST HOUSE, KACHERI ROAD,LUDHIANA,PIN 141001		IOBA0000047141020006
Akalgarh Gurusar Sudhar
AKHAL GARHGURUSARSUDHAR, PO KHALSA COLLEGE		IOBA0000187—
Katanikalan
CHANDIGARH ROAD, VIL PO, KATANIKALAN141113		IOBA0000188—
Gujjarwal
NEAR GURUDWARA JAI SIN MAIN BAZAAR GUJJARWAL PIN 141202		IOBA0000197141020521
Baddowal
MAIN ROAD,BADDOWAL PIN 142021		IOBA0000204141020026
Brown Road
C M C ROSS HOSTEL BLDG,BROWN RODLUDHIANA		IOBA0000342141020002
Jagraon
LAJPATRAI ROAD, JAGRAON PIN 142006		IOBA0000389142020052
Ind Area
G T BYPASS RD,NEAR TRANSPORT NAGAR,INDTL AREA,LUDHIANA		IOBA0000390141020005
Threeke
OPP GODAVARI MOTORS, THREEKE FEROZEPUR ROAD, AYALI CHOWK, THREEKE PIN 142021		IOBA0000415141020009
Mullanpurdakhamandi
SHOP NO 6,MULLANPUR DAKHA MANDI,PIN 141101		IOBA0000474141020025
Chakohi
CHAKOHI VILLAGE ,TEHSIL KHANNA ,CHAKOHI PIN 141401		IOBA0000575141020522
Khanna
DULLO BUILDING G T ROAD KHANNA PIN 141401		IOBA0000629141020202

Frequently asked questions

What is the IFSC code of IOB Civil Lines?

IOBA0000446. It identifies the Civil Lines branch of Indian Overseas Bank in Ludhiana, Punjab.

What is the MICR code of IOB Civil Lines?

141020004. It is printed at the bottom of cheques issued by this branch.

Where is IOB Civil Lines branch?

FOUNTAIN CHOWK,CIVIL LINES,LUDHIANA, Punjab.

Does IOBA0000446 support NEFT, RTGS and IMPS?

Yes: the RBI list shows NEFT, RTGS, IMPS and UPI for this branch.

What do the parts of IOBA0000446 mean?

IOBA is the bank code of Indian Overseas Bank, the 5th character "0" is reserved by the RBI, and 000446 is the branch code of Civil Lines.

How many IOB branches are in Ludhiana?

32. Each has its own IFSC code.

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