Indian Overseas Bank IFSC Code GUJJARWAL Branch in LUDHIANA can be used for internet banking for transferring funds between any two bank branches. This is IFSC Code for Indian Overseas Bank GUJJARWAL Branch in LUDHIANA allocated by RBI. Before using this GUJJARWAL Branch LUDHIANA Indian Overseas Bank IFSC Code, kindly cross check the respective bank website. This Indian Overseas Bank GUJJARWAL Branch IFSC Code in LUDHIANA supporting net banking has its unique IFSC code. GUJJARWAL Branch LUDHIANA Indian Overseas Bank IFSC Code is a unique code which helps to identity the bank location too. NOTE that only those branches of a bank which are approved by RBI can provide net transfer systems.