Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Axis Bank for its Bahadurke Road branch in Ludhiana, Ludhiana, or Punjab, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Axis Bank located in Ludhiana or anywhere in Punjab can transfer funds instantly by using the correct IFSC Code UTIB0004352. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for Axis Bank, Bahadurke Road, Ludhiana
The table below shows the main details of the IFSC Code UTIB0004352 for the Axis Bank branch in Ludhiana, which falls under the Ludhiana district in Punjab.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0004352 |
| Branch | Bahadurke Road |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| Address | Groud Floor, Scf 18, New Grain Market, Taraf Karabara, Ludhiana 141008 |
These details are essential not only for online banking users but also for businesses and individuals who use Axis Bank in Ludhiana for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0004352 for the Bahadurke Road branch of Axis Bank plays an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code that is provided by the Reserve Bank of India. A unique IFSC like UTIB0004352 is given to every bank branch, including Axis Bank located in Bahadurke Road, Ludhiana, Punjab, to make sure that online payments reach the right place.
The IFSC Code is important because:
- It uniquely identifies the Axis Bank branch in Ludhiana.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any kind of confusion between multiple branches of the same bank across different places like Ludhiana and Ludhiana.
- It removes errors in fund transfers and improves accuracy.
- It lets the sender banks validate and confirm branch details before they process the payments.
There are thousands of branches across Punjab and the rest of India, which is why the IFSC Code ensures that transactions meant for Axis Bank in Bahadurke Road doesn't end up at another location.
Format of the IFSC Code UTIB0004352
The format of the IFSC Code for banks, including Axis Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Axis Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Bahadurke Road in Ludhiana.
For example, the IFSC Code UTIB0004352 of Axis Bank for the Bahadurke Road branch includes these elements, identifying the bank and the branch location in Ludhiana and Punjab accurately.
How to Find IFSC Code for Axis Bank?
If you are looking for the IFSC Code UTIB0004352 of Axis Bank for its Bahadurke Road branch located in Ludhiana, the following methods can help:
Cheque Book
The cheque book that is issued by Axis Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including Axis Bank branches in Ludhiana and Ludhiana, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of Axis Bank and look for the branch locator section, then search for Bahadurke Road or Ludhiana to get the exact IFSC Code UTIB0004352.
Mobile Banking App
If you use Axis Bank's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Axis Bank and Ludhiana, then it will provide you proper information.
How to Use IFSC Code UTIB0004352 for Online Transfers?
Once you have the IFSC Code UTIB0004352 for the Bahadurke Road branch of Axis Bank in Ludhiana, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTIB0004352. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Axis Bank IFSC Code UTIB0004352.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank Bahadurke Road in Ludhiana, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Axis Bank in Bahadurke Road, you can find it by any of the following ways:
- Check the bottom of your cheque leaf.
- Go to the first page of your passbook.
- Visit the official Axis Bank website.
- Search the RBI portal.
Having both IFSC and MICR codes helps account holders in Ludhiana manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is UTIB0004352.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Groud Floor, Scf 18, New Grain Market, Taraf Karabara, Ludhiana 141008 located in Ludhiana, Ludhiana, Punjab.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.