- IFSC code
- IOBA0000197
- Branch
- Gujjarwal
- MICR code
- 141020521
- Address
- Near Gurudwara Jai Sin Main Bazaar Gujjarwal PIN 141202
- City
- Ludhiana (district Gajjarwal)
- State
- Punjab
- Phone
- 2864378
- Transfers
- NEFT availableRTGS availableIMPS availableUPI available
What IOBA0000197 means
- IOBA: the bank, Indian Overseas Bank
- 0: always zero, kept for future use
- 000197: the Gujjarwal branch
To send money, add the account number, the account holder's name and IOBA0000197 as a payee in your banking app. NEFT and IMPS work round the clock; RTGS is for ₹2 lakh or more.
Other Indian Overseas Bank branches in Ludhiana
- BaddowalIOBA0000204
- KatanikalanIOBA0000188
- Akalgarh Gurusar SudharIOBA0000187
- Brown RoadIOBA0000342
- Ludhiana MainIOBA0000047
- JagraonIOBA0000389
- Ind AreaIOBA0000390
- ThreekeIOBA0000415
- Civil LinesIOBA0000446
- MullanpurdakhamandiIOBA0000474
- ChakohiIOBA0000575
- KhannaIOBA0000629
All Indian Overseas Bank branches in Ludhiana
Other banks in Ludhiana
- State Bank of India
- Punjab National Bank
- HDFC Bank
- Axis Bank
- Punjab & Sind Bank
- ICICI Bank
- Union Bank of India
- Canara Bank
Frequently asked questions
Which bank and branch is IOBA0000197?
IOBA0000197 belongs to Indian Overseas Bank, Gujjarwal branch, Near Gurudwara Jai Sin Main Bazaar Gujjarwal PIN 141202.
What is the MICR code of Indian Overseas Bank, Gujjarwal?
The MICR code is 141020521. It is printed at the bottom of cheques from this branch.
Can I use IOBA0000197 for RTGS and IMPS?
NEFT, RTGS, IMPS transfers are enabled for this branch.
Sources
Last checked on 19 September 2026. IFSC data comes from RBI’s list, refreshed monthly. Banks sometimes merge or move branches; confirm the code on your cheque book or with your bank before a large transfer.