Indian Overseas Bank — DHANDARI KALAN Branch
LIDHIANA, PUNJAB
Available Services
Branch Details
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch Name | DHANDARI KALAN |
| IFSC Code | IOBA0004120 |
| MICR Code | N/A |
| SWIFT Code | N/A |
| Address | INDIAN OVERSEAS BANK, PLOT NO 1209, GT ROAD DHANDARI KALAN, LUDHIANA 141014 |
| City | LIDHIANA |
| District | LIDHIANA |
| State | PUNJAB |
| Contact Number | Not Available |
How to Use IOBA0004120 for Money Transfers
The IFSC code IOBA0004120 is specifically assigned to the DHANDARI KALAN branch of Indian Overseas Bank located in LIDHIANA, PUNJAB. This unique code is mandatory for routing electronic payments correctly within India.
NEFT Transfer
Use IOBA0004120 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 IOBA0004120 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 IOBA0004120 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 DHANDARI KALAN Branch
The DHANDARI KALAN branch of Indian Overseas Bank is situated in LIDHIANA, PUNJAB. The branch address is INDIAN OVERSEAS BANK, PLOT NO 1209, GT ROAD DHANDARI KALAN, LUDHIANA 141014. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. Always use the IFSC code IOBA0004120 when making any online fund transfer to an account held at this branch.
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