INDIAN OVERSEAS BANK GUJJARWAL IFSC Code

    IOBA0000197
    Verified

    IFSC Code Breakdown

    IOBA

    Bank Code

    0

    Zero

    000197

    Branch Code

    Note: The 5th character is always the digit zero (0), not the letter O.

    Branch Details for IOBA0000197

    Bank

    INDIAN OVERSEAS BANK

    Branch

    GUJJARWAL

    IFSC Code

    IOBA0000197

    MICR Code

    141020521

    Address

    NEAR GURUDWARA JAI SIN MAIN BAZAAR GUJJARWAL PIN 141202

    City

    GAJJARWAL

    District

    LUDHIANA

    State

    PUNJAB

    Phone

    2864378

    How to Use This IFSC

    NEFT: Use this IFSC for National Electronic Funds Transfer. Available 24x7.

    RTGS: Use for Real Time Gross Settlement for amounts ≥₹2 lakh.

    IMPS: For Immediate Payment Service, available 24x7 for instant transfers.

    Last Updated: Feb 2026

    About this Branch

    The GUJJARWAL branch of INDIAN OVERSEAS BANK is located in LUDHIANA, PUNJAB. This branch handles NEFT, RTGS, and IMPS transactions for the GAJJARWAL area. The IFSC code IOBA0000197 is required for all electronic fund transfers to this branch.

    Frequently Asked Questions