Is this the right branch?
Match the branch name and town with your cheque or passbook before you send money.
How should I send money here?
*Most banks cap UPI at ₹1 lakh a day. Limits set by your own bank may be lower.
{"best":"✔ Best choice","ok":"✓ Also works","no":"✕ Not for this amount","off":"✕ Not at this branch","a1":"Use UPI or IMPS — the money arrives in seconds, any day. NEFT also works.","a2":"Use IMPS — instant. Too much for most UPI apps, too little for RTGS.","a3":"Use RTGS for large amounts. IMPS and NEFT also work.","a4":"Use RTGS — no upper limit, real-time. NEFT also works; IMPS stops at ₹5 lakh.","a5":"This branch does not take RTGS — use NEFT (any amount) or IMPS (up to ₹5 lakh).","a6":"This branch does not take RTGS — use NEFT, which has no upper limit. IMPS stops at ₹5 lakh."}IOB branches near Civil Lines
| Branch | IFSC | PIN |
|---|---|---|
| Arya College Brch Arya College for Boys, Rajpura Rd, Ludhiana | IOBA0001406 | — |
| Baranhara Golden Avenue, Baranhara Humbran Road, Ludhiana 141008 | IOBA0003047 | 141008 |
| Brown Road C M C Ross Hostel Bldg, Brown Rod Ludhiana | IOBA0000342 | — |
| Dhandari Kalan GT Road Dhandari Kalan, Ludhiana 141014 | IOBA0004120 | 141014 |
| Ind Area G T Bypass Rd, Near Transport Nagar, Indtl Area, Ludhiana | IOBA0000390 | — |
| LPC Ludhiana Fountain Chowk, College Road, Ludhiana, Punjab 141001 | IOBA0004081 | 141001 |
| Ludhiana CMC Brown Memorial Hosp, Ludhiana | IOBA0001525 | — |
| Ludhiana Main Sainkik Rest House, Kacheri Road, Ludhiana 141001 | IOBA0000047 | 141001 |
| Ludhiana Rahon Road Rahon Road, Ludhiana 143601 | IOBA0001477 | 143601 |
| Ludhianabhadaur House Bhadaur House, Dr Zail Singh Market, Ludhiana 141008 | IOBA0002069 | 141008 |
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IFSC Code of Civil Lines, Indian Overseas Bank
The IFSC code of Civil Lines branch of Indian Overseas Bank, located at Fountain Chowk, Civil Lines, Ludhiana, Ludhiana, Punjab is IOBA0000446. This code is mandatory for all electronic fund transfers — NEFT, RTGS, and IMPS — initiated to or from this branch.
The MICR (Magnetic Ink Character Recognition) code of this branch is 141020004. MICR codes are printed on cheques and used by banks to process paper-based clearing transactions.
| Website | iob.bank.in ↗ |
| District | Ludhiana |
| State | Punjab |
New to IFSC? See What is an IFSC code — how it is structured, where to find it on a cheque, and how NEFT, RTGS and IMPS use it.
More about this branch
Sample cheque showing where IFSC and MICR are printed
Specimen image for reference only. IFSC IOBA0000446 belongs to Civil Lines, Indian Overseas Bank.
Branch Location
Civil Lines — Indian Overseas BankFountain Chowk, Civil Lines, Ludhiana
Ludhiana, Punjab, India