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List of Districts Indian Overseas Bank is avilable in Punjab at Ludhiana

Arya College BrchBaddowalBaddowal 17 Fad Baddowal CantonmentBaranharaBrown RoadChakohiCivil LinesDugriGujjarwalGuru Nanak Girls CollegeHalwaraInd AreaJagraonKatanikalanKhannaLudhiana CmcLudhiana MainLudhianabhadaur HouseMillerganjModel Town LudhianaMullanpurdakhamandiPakhoval RoadR O LudhianaRaikotRishinagarSaharan MajraSangrurSbs Nagar LudhianaSiaharSunder NagarThreeke

IFSC code stands for Indian Financial System Code which is used to uniquely identify a bank and branch, which is used for NEFT, RTGS and IMPS transfer .