INDIAN OVERSEAS BANK IND AREA IFSC Code

    IOBA0000390
    Verified

    IFSC Code Breakdown

    IOBA

    Bank Code

    0

    Zero

    000390

    Branch Code

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

    Branch Details for IOBA0000390

    Bank

    INDIAN OVERSEAS BANK

    Branch

    IND AREA

    IFSC Code

    IOBA0000390

    MICR Code

    141020005

    Address

    G T BYPASS RD,NEAR TRANSPORT NAGAR,INDTL AREA,LUDHIANA

    City

    LUDHIANA

    District

    LUDHIANA

    State

    PUNJAB

    Phone

    2227094

    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 IND AREA branch of INDIAN OVERSEAS BANK is located in LUDHIANA, PUNJAB. This branch handles NEFT, RTGS, and IMPS transactions for the LUDHIANA area. The IFSC code IOBA0000390 is required for all electronic fund transfers to this branch.

    Frequently Asked Questions

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