Indian Overseas Bank — RISHINAGAR Branch
LUDHIANA, PUNJAB
Available Services
Branch Details
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch Name | RISHINAGAR |
| IFSC Code | IOBA0001898 |
| MICR Code | 141020013 |
| SWIFT Code | N/A |
| Address | SCO 51,RISHI NAGAR SHOPPING COMPLEX,RISHI NAGAR,LUDHIANA,PIN 141001 |
| City | LUDHIANA |
| District | LUDHIANA |
| State | PUNJAB |
| Contact Number | 2301746 |
How to Use IOBA0001898 for Money Transfers
The IFSC code IOBA0001898 is specifically assigned to the RISHINAGAR branch of Indian Overseas Bank located in LUDHIANA, PUNJAB. This unique code is mandatory for routing electronic payments correctly within India.
NEFT Transfer
Use IOBA0001898 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.
RTGS Transfer
For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use IOBA0001898 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.
IMPS & UPI
IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require IOBA0001898 when registering a new beneficiary.
Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.
About Indian Overseas Bank RISHINAGAR Branch
The RISHINAGAR branch of Indian Overseas Bank is situated in LUDHIANA, PUNJAB. The branch address is SCO 51,RISHI NAGAR SHOPPING COMPLEX,RISHI NAGAR,LUDHIANA,PIN 141001. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. You can contact this branch at 2301746. Always use the IFSC code IOBA0001898 when making any online fund transfer to an account held at this branch.
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