INDIAN OVERSEAS BANK IFSC Code – R O LUDHIANA, LUDHIANA
Complete bank details including IFSC code, MICR code, address and payment facilities for R O LUDHIANA branch.
Bank Details
| Bank Name | INDIAN OVERSEAS BANK |
| Branch Name | R O LUDHIANA |
| IFSC Code | IOBA0002013 |
| MICR Code | NA |
| Address | POST BOX NO 410 DOOR NO 550 BY 1,FOUNTAIN CHOWK COLLEGE RD CIVIL LINES LUDHIANA PIN CODE 141001 |
| City | LUDHIANA |
| State | PUNJAB |
| Contact | 28584896 |
Payment Facilities
About IFSC Code IOBA0002013
The IFSC code IOBA0002013 uniquely identifies the R O LUDHIANA branch of INDIAN OVERSEAS BANK located in LUDHIANA, 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 IOBA0002013
- 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 (002013) – Unique branch identifier for R O LUDHIANA
How to Use IFSC Code IOBA0002013
To transfer money to any account at INDIAN OVERSEAS BANK R O LUDHIANA branch, you will need to provide the IFSC code IOBA0002013 along with the beneficiary's account number. This code ensures your money reaches the correct branch securely.
Transfer Methods Available at R O LUDHIANA
- 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 R O LUDHIANA Branch
INDIAN OVERSEAS BANK R O LUDHIANA is a branch of INDIAN OVERSEAS BANK located in LUDHIANA, PUNJAB. The branch provides comprehensive banking services to customers in LUDHIANA and surrounding areas.
Branch Address
POST BOX NO 410 DOOR NO 550 BY 1,FOUNTAIN CHOWK COLLEGE RD CIVIL LINES LUDHIANA PIN CODE 141001, LUDHIANA, 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).
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 R O LUDHIANA?
The IFSC code of INDIAN OVERSEAS BANK R O LUDHIANA branch in LUDHIANA is IOBA0002013.
What is the MICR code of INDIAN OVERSEAS BANK R O LUDHIANA?
The MICR code of INDIAN OVERSEAS BANK R O LUDHIANA branch is NA.
What is the address of INDIAN OVERSEAS BANK R O LUDHIANA?
INDIAN OVERSEAS BANK R O LUDHIANA branch is located at POST BOX NO 410 DOOR NO 550 BY 1,FOUNTAIN CHOWK COLLEGE RD CIVIL LINES LUDHIANA PIN CODE 141001.
Does INDIAN OVERSEAS BANK R O LUDHIANA support NEFT/RTGS/IMPS?
INDIAN OVERSEAS BANK R O LUDHIANA branch supports NEFT, RTGS, IMPS, and UPI transactions.