Indian Overseas Bank Branch Civil Lines Ifsc Code In Punjab District Ludhiana

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Details and IFSC code for Bank : Indian Overseas Bank

Bank Name	Indian Overseas Bank
State	Punjab
District	Ludhiana
Branch	Civil Lines
Branch CODE	000446 (Last 6 Characters of the IFSC Code)
Address	FOUNTAIN CHOWK,CIVIL LINES,LUDHIANA
Phone	2449530
Swift Code	To view Swift code CLICK HERE
IFSC	IOBA0000446

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The Indian Financial System Code (IFS Code or IFSC) is an alphanumeric code that facilitates electronic funds transfer in India. A code uniquely identifies each bank branch participating in the three main Payment and settlement systems in India: the Real Time Gross Settlement (RTGS), National Electronic Fund Transfer (NEFT), and Immediate Payment Service (IMPS) systems.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies every bank branch in India.

The first 4 characters: Represent the bank (e.g., SBIN for State Bank of India).
The 5th character: Always 0 (reserved).
The last 6 characters: Represent the specific branch.

Example: SBIN0000451 → SBI, New Delhi branch.

Why Do You Need an IFSC Code?

✅ To send money via NEFT, RTGS, or IMPS.
✅ To ensure funds reach the right branch and account.
✅ To process business, salary, and vendor payments smoothly.
✅ To avoid failed transactions due to incorrect details.

How to Find IFSC Code of a Bank Branch

You can easily find your bank’s IFSC code in the following ways:

Cheque Book / Passbook: Printed on the cheque leaf or passbook.
Bank Website: Check the branch locator or IFSC search option.
RBI Website: The Reserve Bank of India provides official branch data.
Mobile Banking Apps: Most apps display IFSC under account details.
BankIFSCCode.pro: Use our search tool to find verified IFSC codes instantly.

Disclaimer: We have made every effort to ensure that the information provided on this website is up to date and accurate, as sourced from the Reserve Bank of India (RBI). However, users are strongly advised to verify the details with the respective bank before relying on the information. The author assumes no responsibility for the timeliness, accuracy, completeness, or quality of the information provided. Any liability for damages arising from the use of incomplete or incorrect information is therefore excluded.