India · Ludhiana
Indian Overseas Bank in Ludhiana: IFSC codes and branch details
Indian Overseas Bank operates 18 branches in Ludhiana, out of 4,719 across India. Every branch has its own IFSC code — you need it, together with the account number, to receive a local transfer in Indian rupees. The codes below come from the Reserve Bank of India's own register.
That is about 2.7% of the 675 bank branches in Ludhiana, which makes it the 13th largest bank in the city by branch count. The largest in Ludhiana is Punjab National Bank, with 107. Ludhiana is Indian Overseas Bank's 15th largest city in India and holds about 17% of the 103 branches the bank runs across Punjab. Nationally Indian Overseas Bank is the 11th largest bank in the Reserve Bank of India's register, with 4,719 branches. Every code on this page starts with IOBA0 — those four letters are Indian Overseas Bank's own identifier, used at all of its branches nationwide.
IFSC codes for Indian Overseas Bank branches in Ludhiana
| IFSC code | Branch | Address |
|---|---|---|
| IOBA0000047 | Ludhiana Main | 1 St Floor, Sainkik Rest House, Kacheri Road, Ludhiana, Pin 141001 |
| IOBA0000342 | Brown Road | C M C Ross Hostel Bldg, Brown |
| IOBA0000390 | Ind Area | G T Bypass Rd, Near Transport Nagar, Indtl Area |
| IOBA0000446 | Civil Lines | Fountain Chowk, Civil Lines |
| IOBA0001123 | Pakhoval Road | 745, Sargodha Colony Pakhowal Rd |
| IOBA0001406 | Arya College Brch | Arya College for Boys, Rajpura Rd |
| IOBA0001477 | Ludhiana Rahon Road | B By 32 By 201 Rahonroad, Ludhiana Pin 143601 |
| IOBA0001525 | Ludhiana Cmc | C M C, Brown Memorial Hosp |
| IOBA0001589 | Sunder Nagar | B Xxiv, 2592 By 1, Atam Tower, Sunder Nagar |
| IOBA0001590 | Millerganj | B Xv 141 Oppfire Brigade, G T Road, Millerganj, Ludhiana Pin 141003 |
| IOBA0001898 | Rishinagar | Sco 51, Rishi Nagar Shopping Complex, Rishi Nagar, Ludhiana, Pin 141001 |
| IOBA0002013 | R O Ludhiana | Post Box No 410 Door No 550 By 1, Fountain Chowk College Rd Civil Lines Ludhiana Pin Code 141001 |
| IOBA0002069 | Ludhianabhadaur House | 1391, Bhadaur House, Dr Zail Singh Market, Ludhiana Pin 141008 |
| IOBA0002441 | Model Town Ludhiana | Sco No 6 Behind Krishna Mandir Model Town Extension Market Ii Ludhiana, Pincode 141002 |
| IOBA0002663 | Sbs Nagar Ludhiana | Sbs Nagar, Pakhowal Road, Ludhiana 141013 |
| IOBA0003047 | Baranhara | 191, Golden Avenue, Baranhara Humbran Road, Ludhiana 141008 |
| IOBA0004081 | Lpc Ludhiana | Fountain Chowk, College Road, Ludhiana, Punjab, Pin-141001 |
| IOBA0004120 | Dhandari Kalan | Indian Overseas Bank, Plot No 1209, Gt Road Dhandari Kalan, Ludhiana 141014 |
All 18 branches the register lists for Indian Overseas Bank in Ludhiana. Ask your recipient for the exact branch name to confirm the code.
Find a branch by its IFSC code
All 182,498 codes in the Reserve Bank of India register, snapshot of 2026-08-21, are searchable here. It covers branches this page does not list, including Indian Overseas Bank branches outside Ludhiana.
How to send money to a Indian Overseas Bank account in Ludhiana
- Get the details from your recipient — full name as it appears on the account, account number and the IFSC code of their branch.
- Fund your transfer from your own USD, EUR or GBP account details.
- Send in INR — the money arrives as a local Indian transfer, so the recipient does not need to deal with international banking.
Common questions
What is the IFSC code for Indian Overseas Bank in Ludhiana?
There is no single code — each of the 18 branches in Ludhiana has its own. They all begin with IOBA0, and the last six characters identify the individual branch. Find your recipient's branch in the table above to get the exact one.
Which Indian Overseas Bank branch in Ludhiana should I send to?
The one where the account was opened — the code is tied to that branch, not to the city, and Indian Overseas Bank has 18 of them in Ludhiana. If your recipient is not sure which is theirs, it is printed on their cheque book and shown in their banking app.
Do I need the IFSC code to receive money in Ludhiana?
Yes. For a local transfer into an Indian bank account you need the account number and the IFSC code of the receiving branch. Without the IFSC the payment cannot be routed.
Is Indian Overseas Bank the biggest bank in Ludhiana?
No. With 18 branches it ranks 13th in Ludhiana, behind Punjab National Bank, which has 107. Branch count is not the same as which bank is best for receiving money from abroad — any Indian account can receive a local rupee transfer.
What if I have the wrong IFSC code?
The transfer will normally be rejected and the money returned, but this takes time and a fee may apply. Always confirm the code with the recipient before sending.
Where this data comes from
Branch names, addresses and IFSC codes are taken from the Reserve Bank of India's list of NEFT-enabled branches, snapshot of 2026-08-21. The RBI compiles it from the participating banks themselves, so spellings follow the banks' own records. We normalise state names and city spellings, merge duplicate names for the same city, and exclude administrative entries such as RTGS head offices and service branches from branch counts. Nothing is added to the data. Found something wrong? Write to [email protected].
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