Indian Overseas Bank · Kapurthala

IOB Phagwara IFSC code

IFSC code

✔ In RBI list v2.0.62

IOBA0000344

MICR code

144City

020Bank

202Branch

IFSC code: IOBA0000344
MICR code: 144020202
Bank: Indian Overseas Bank
Branch: Phagwara
Address: OPP. BUS STAND,G.T. RD,PHAGWARA
City: Kapurthala
District: Phagwara
State: Punjab
Bank code: IOBA
Branch code: 000344
Contact: +911824260430
Payment systems: NEFT, RTGS, IMPS, UPI

Quick summary✔ RBI data Last synced 24 October 2026 · release v2.0.62

The IFSC code of Indian Overseas Bank, Phagwara branch (Kapurthala, Punjab) is IOBA0000344. Its MICR code is 144020202. Use the IFSC for NEFT, RTGS and IMPS transfers to accounts at this branch.

Branch overview

Bank code IOBA — identifies Indian Overseas Bank
5th character 0 — reserved by the RBI
Branch code 000344 — identifies Phagwara
MICR 144020202 — city 144, bank 020, branch 202
Payments NEFT, RTGS, IMPS, UPI

Sources & verification

✔ Official source: RBI IFSC & MICR master list
✔ Dataset release v2.0.62
✔ Last updated 24 October 2026
✔ Format checked (11-character IFSC, 9-digit MICR)

Other IOB branches in Kapurthala

Branch	IFSC	MICR
Pattarkalan PATTARKALAN,PIN 144806	IOBA0000561	144020009
Kapurthala RAILWAY ROAD,ADJOINING APSLEY COOKER FACTORY,KAPURTHALA 144601	IOBA0002644	144020252

Frequently asked questions

What is the IFSC code of IOB Phagwara?

IOBA0000344. It identifies the Phagwara branch of Indian Overseas Bank in Kapurthala, Punjab.

What is the MICR code of IOB Phagwara?

144020202. It is printed at the bottom of cheques issued by this branch.

Where is IOB Phagwara branch?

OPP. BUS STAND,G.T. RD,PHAGWARA, Punjab.

Does IOBA0000344 support NEFT, RTGS and IMPS?

Yes: the RBI list shows NEFT, RTGS, IMPS and UPI for this branch.

What do the parts of IOBA0000344 mean?

IOBA is the bank code of Indian Overseas Bank, the 5th character "0" is reserved by the RBI, and 000344 is the branch code of Phagwara.

How many IOB branches are in Kapurthala?

3. Each has its own IFSC code.