Indian Overseas Bank Gujjarwal IFSC code
The IFSC code of Indian Overseas Bank, Gujjarwal (Gajjarwal, Ludhiana, Punjab) is IOBA0000197.
- Data of 1 September 2026
- From RBI’s NEFT and RTGS lists
- By the Accurio.in team
- MICR
- 141020521
- Branch
- Gujjarwal
- Place
- Gajjarwal, Ludhiana, Punjab
Branch details
- Address
- NEAR GURUDWARA JAI SIN MAIN BAZAAR GUJJARWAL PIN 141202 Open in Maps
- Phone
- 2864378
- Town
- Gajjarwal
- District
- Ludhiana From PIN 141202 in the address (India Post’s directory)
- City in RBI’s list
- Ludhiana
- State
- Punjab
- MICR
- 141020521
From RBI’s list of bank branches taking part in NEFT and RTGS, as published in Razorpay’s IFSC dataset (public domain), release v2.0.62 of 1 September 2026: 1,82,824 branches. Banks open, merge and close branches, so confirm the code on a cheque or with the branch before sending money.
District from the PIN code in the address: Department of Posts, Ministry of Communications, All India Pincode Directory till last month, Open Government Data Platform India, updated 3 October 2025. District names as in the Ministry of Panchayati Raj’s Local Government Directory. Published under the Government Open Data License – India.
What changed (latest: 1 September 2026)
Updates to the data behind this page, newest first.
-
- RBI’s branch lists, as published in IFSC release v2.0.62
-
- Department of Posts’ PIN code directory updated
Mistakes we have fixed on any page are listed on Corrections.
Other Indian Overseas Bank branches that RBI’s list puts under Ludhiana
- Baddowal Fad Baddowal Cantonment IOBA0001723
- Baranhara IOBA0003047
- Brown Road IOBA0000342
- Chakohi IOBA0000575
- Civil Lines IOBA0000446
- Dhandari Kalan IOBA0004120
- Halwara IOBA0001727
- Ind Area IOBA0000390
- Jagraon IOBA0000389
- Katanikalan IOBA0000188
- Khanna IOBA0000629
- LPC Ludhiana IOBA0004081
See all 23 Indian Overseas Bank branches in Ludhiana district →
Questions about this code
What does each part of IOBA0000197 mean?
RBI describes the IFSC as an 11-character code: the first four letters represent the bank, the fifth character is 0 (zero) and the last six represent the branch. Here IOBA stands for Indian Overseas Bank and 000197 for this branch.
Where do I find the IFSC on a cheque?
An IFSC uniquely identifies a bank branch taking part in NEFT, and RBI has advised member banks to print the branch’s IFSC on the cheques they issue to customers. Match the code on your cheque with IOBA0000197.
What is the MICR code 141020521?
The nine-digit code printed in the MICR band at the bottom of a cheque, after the six-digit cheque number. In RBI’s guidelines the first three digits represent the city (141), the next three the bank (020) and the last three the branch (521).
Can I send money to this branch by NEFT or RTGS?
RBI’s NEFT list includes this branch, and RBI’s RTGS list includes it. Ask the person you are paying to confirm the IFSC before a large transfer.