IFSC Code of Axis Bank, Model Town, Jalandhar Branch, Punjab

Use this page as a one-stop reference for everything related to Axis Bank's MODEL TOWN, JALANDHAR branch in JALANDHAR, PUNJAB. The branch's IFSC code UTIB0001891 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Axis Bank – MODEL TOWN, JALANDHAR is UTIB0001891. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001891 map to this branch in JALANDHAR, PUNJAB.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Model Town, Jalandhar branch — IFSC UTIB0001891 — extends the bank's services to customers in and around Jalandhar, Punjab.

About this branch

The branch is located at GROUND FLOOR AND FIRST FLOOR,418-R, MODEL TOWN,JALANDHAR, DIST. JALANDHAR, PUNJAB, 144003. It serves the Jalandhar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0001891 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every Axis Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including MODEL TOWN, JALANDHAR of Axis Bank — its own 11-character IFSC. The code UTIB0001891 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UTIB0001891 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Model Town, Jalandhar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0001891 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UTIB0001891

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UTIB0001891 across all three.

NEFT to Axis Bank, MODEL TOWN, JALANDHAR using IFSC UTIB0001891

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0001891, and confirm that the system picks up Axis Bank – MODEL TOWN, JALANDHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0001891

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – MODEL TOWN, JALANDHAR, ensure your bank's portal accepts IFSC UTIB0001891 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank MODEL TOWN, JALANDHAR (IFSC UTIB0001891)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001891 in your mobile or internet banking app, and the money is credited to the MODEL TOWN, JALANDHAR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0001891 for Axis Bank – MODEL TOWN, JALANDHAR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Model Town, Jalandhar branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Axis Bank's MODEL TOWN, JALANDHAR branch, the IFSC UTIB0001891 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Model Town, Jalandhar branch is mapped to IFSC UTIB0001891 on the RBI payments network. The branch generally supports the full retail product catalogue of Axis Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains UTIB0001891.

Products and services

Customers walking into the Model Town, Jalandhar branch can access most of Axis Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC UTIB0001891

Online banking and IFSC UTIB0001891

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the MODEL TOWN, JALANDHAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UTIB0001891 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Reaching the branch

The Model Town, Jalandhar branch sits at GROUND FLOOR AND FIRST FLOOR,418-R, MODEL TOWN,JALANDHAR, DIST. JALANDHAR, PUNJAB, 144003. If you are travelling from outside Jalandhar, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0001891 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Axis Bank – MODEL TOWN, JALANDHAR:

• The IFSC is exactly UTIB0001891 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Axis Bank as the bank name and MODEL TOWN, JALANDHAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Model Town, Jalandhar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0001891, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0001891 for Axis Bank – MODEL TOWN, JALANDHAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0001891 belongs to Axis Bank's MODEL TOWN, JALANDHAR branch, located at GROUND FLOOR AND FIRST FLOOR,418-R, MODEL TOWN,JALANDHAR, DIST. JALANDHAR,… in JALANDHAR, PUNJAB. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.