INDIAN OVERSEAS BANK IFSC Code – GUJJARWAL, GAJJARWAL
Complete bank details including IFSC code, MICR code, address and payment facilities for GUJJARWAL branch.
Bank Details
| Bank Name | INDIAN OVERSEAS BANK |
| Branch Name | GUJJARWAL |
| IFSC Code | IOBA0000197 |
| MICR Code | 141020521 |
| Address | NEAR GURUDWARA JAI SIN MAIN BAZAAR GUJJARWAL PIN 141202 |
| City | GAJJARWAL |
| District | LUDHIANA |
| State | PUNJAB |
| Contact | 2864378 |
Payment Facilities
About IFSC Code IOBA0000197
The IFSC code IOBA0000197 uniquely identifies the GUJJARWAL branch of INDIAN OVERSEAS BANK located in GAJJARWAL, PUNJAB. This 11-character alphanumeric code is essential for all electronic fund transfers in India including NEFT, RTGS, IMPS, and UPI transactions.
Understanding IFSC Code IOBA0000197
- First 4 characters (IOBA) – Represents INDIAN OVERSEAS BANK bank code assigned by RBI
- 5th character (0) – Reserved for future use (always 0)
- Last 6 characters (000197) – Unique branch identifier for GUJJARWAL
How to Use IFSC Code IOBA0000197
To transfer money to any account at INDIAN OVERSEAS BANK GUJJARWAL branch, you will need to provide the IFSC code IOBA0000197 along with the beneficiary's account number. This code ensures your money reaches the correct branch securely.
Transfer Methods Available at GUJJARWAL
- NEFT (National Electronic Funds Transfer) – Settled in batches, available 24x7 on all days
- RTGS (Real Time Gross Settlement) – For high-value transactions (₹2 lakh and above), real-time transfer
- IMPS (Immediate Payment Service) – Instant transfer up to ₹5 lakh, available 24x7
- UPI (Unified Payments Interface) – Instant mobile payments using VPA/UPI ID
About INDIAN OVERSEAS BANK GUJJARWAL Branch
INDIAN OVERSEAS BANK GUJJARWAL is a branch of INDIAN OVERSEAS BANK located in GAJJARWAL, PUNJAB. The branch provides comprehensive banking services to customers in GAJJARWAL and surrounding areas.
Branch Address
NEAR GURUDWARA JAI SIN MAIN BAZAAR GUJJARWAL PIN 141202, GAJJARWAL, PUNJAB
Services Available
This branch offers various banking services including savings accounts, current accounts, fixed deposits, recurring deposits, loans, locker facilities, and digital banking services. Customers can also avail services like demand drafts, pay orders, and foreign exchange (subject to branch authorization).
MICR Code Information
The MICR (Magnetic Ink Character Recognition) code for this branch is 141020521. MICR code is a 9-digit code used for cheque clearing and identifies the bank, branch, and city. It is printed on cheques using magnetic ink for machine reading.
Important Information
Transfer Timings
- NEFT: 24x7, 365 days (Settled in half-hourly batches)
- RTGS: 24x7, 365 days (Real-time for ₹2L+)
- IMPS: 24x7, 365 days (Instant)
- UPI: 24x7, 365 days (Instant)
Verification Tips
- Always verify IFSC code before transferring money
- Cross-check with bank passbook or cheque book
- IFSC codes may change after bank mergers
- Contact branch for latest information
Frequently Asked Questions
What is the IFSC code of INDIAN OVERSEAS BANK GUJJARWAL?
The IFSC code of INDIAN OVERSEAS BANK GUJJARWAL branch in GAJJARWAL is IOBA0000197.
What is the MICR code of INDIAN OVERSEAS BANK GUJJARWAL?
The MICR code of INDIAN OVERSEAS BANK GUJJARWAL branch is 141020521.
What is the address of INDIAN OVERSEAS BANK GUJJARWAL?
INDIAN OVERSEAS BANK GUJJARWAL branch is located at NEAR GURUDWARA JAI SIN MAIN BAZAAR GUJJARWAL PIN 141202.
Does INDIAN OVERSEAS BANK GUJJARWAL support NEFT/RTGS/IMPS?
INDIAN OVERSEAS BANK GUJJARWAL branch supports NEFT, RTGS, IMPS, and UPI transactions.