This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, BAHADURKE ROAD branch in LUDHIANA. The 11-digit IFSC UTIB0004352 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the BAHADURKE ROAD location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0004352 is the IFSC of Axis Bank's BAHADURKE ROAD branch. The format is fixed: UTIB = bank code, 0 = reserved, 004352 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bahadurke Road |
| IFSC Code | UTIB0004352 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUD FLOOR, SCF 18, NEW GRAIN MARKET, TARAF KARABARA, LUDHIANA 141008 |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| STD Code | 91 |
| Phone | 9999999999 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Bahadurke Road branch in Ludhiana. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0004352.
About this branch
The branch is located at GROUD FLOOR, SCF 18, NEW GRAIN MARKET, TARAF KARABARA, LUDHIANA 141008. It serves the Ludhiana 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 UTIB0004352 is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's BAHADURKE ROAD branch came to be assigned the code UTIB0004352.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0004352, money simply cannot be routed to the BAHADURKE ROAD branch electronically.
How to transfer money using IFSC UTIB0004352
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 UTIB0004352 across all three.
NEFT to Axis Bank, BAHADURKE ROAD using IFSC UTIB0004352
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 UTIB0004352, and confirm that the system picks up Axis Bank – BAHADURKE ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BAHADURKE ROAD
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BAHADURKE ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004352 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank BAHADURKE ROAD (IFSC UTIB0004352)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004352 in your mobile or internet banking app, and the money is credited to the BAHADURKE ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004352 for Axis Bank – BAHADURKE ROAD, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0004352 | Yes – UTIB0004352 | Yes – UTIB0004352 |
For most retail customers crediting the Bahadurke Road 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.
UPI payments and IFSC UTIB0004352
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Axis Bank – BAHADURKE ROAD is still mapped to IFSC UTIB0004352. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UTIB0004352 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bahadurke Road branch is mapped to IFSC UTIB0004352 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 UTIB0004352.
Products and services
Customers walking into the Bahadurke Road 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 UTIB0004352
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0004352 and the account number together uniquely identify the Bahadurke Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0004352
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BAHADURKE ROAD 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 UTIB0004352 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.
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 – BAHADURKE ROAD:
- The IFSC is exactly UTIB0004352 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 BAHADURKE ROAD 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.
Reaching the branch
The Bahadurke Road branch sits at GROUD FLOOR, SCF 18, NEW GRAIN MARKET, TARAF KARABARA, LUDHIANA 141008. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 91-9999999999 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 UTIB0004352 and your account number.
Verifying IFSC UTIB0004352 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UTIB0004352 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9999999999.
- Visiting the bank's official branch locator page.
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 Bahadurke Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004352, however, work 24x7.
Branch address & contact
Axis BankBahadurke Road Branch
GROUD FLOOR, SCF 18, NEW GRAIN MARKET, TARAF KARABARA, LUDHIANA 141008
Ludhiana, Punjab
Phone: 91-9999999999
IFSC: UTIB0004352
Frequently asked questions
Is IFSC UTIB0004352 the same for all accounts at Bahadurke Road branch?
Yes. The IFSC UTIB0004352 is shared by every account held at Axis Bank's Bahadurke Road branch. Only the account number changes from customer to customer.
What is the IFSC code of Axis Bank Bahadurke Road branch?
The IFSC code of Axis Bank, Bahadurke Road branch is UTIB0004352. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UTIB0004352 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004352 to send funds instantly.
How do I add Axis Bank Bahadurke Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004352, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bahadurke Road branch but serve different purposes.
Does Axis Bank Bahadurke Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9999999999 to confirm.
Is IFSC UTIB0004352 valid for NEFT and RTGS?
Yes. IFSC UTIB0004352 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Axis Bank Bahadurke Road branch?
You can reach the branch at 91-9999999999 during regular banking hours.
Final notes
To recap: UTIB0004352 is the IFSC code of Axis Bank, BAHADURKE ROAD branch, in LUDHIANA, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
