- IFSC code
- IOBA0000446
- Branch
- Civil Lines
- MICR code
- 141020004
- Address
- Fountain Chowk,Civil Lines,Ludhiana
- City
- Ludhiana
- State
- Punjab
- Phone
- 2449530
- Transfers
- NEFT availableRTGS availableIMPS availableUPI available
What IOBA0000446 means
- IOBA: the bank, Indian Overseas Bank
- 0: always zero, kept for future use
- 000446: the Civil Lines branch
To send money, add the account number, the account holder's name and IOBA0000446 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
- MullanpurdakhamandiIOBA0000474
- ThreekeIOBA0000415
- Ind AreaIOBA0000390
- JagraonIOBA0000389
- Brown RoadIOBA0000342
- ChakohiIOBA0000575
- KhannaIOBA0000629
- BaddowalIOBA0000204
- SiaharIOBA0000688
- GujjarwalIOBA0000197
- KatanikalanIOBA0000188
- Akalgarh Gurusar SudharIOBA0000187
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 IOBA0000446?
IOBA0000446 belongs to Indian Overseas Bank, Civil Lines branch, Fountain Chowk,Civil Lines,Ludhiana.
What is the MICR code of Indian Overseas Bank, Civil Lines?
The MICR code is 141020004. It is printed at the bottom of cheques from this branch.
Can I use IOBA0000446 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.