This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, BENJAMIN ROAD BRANCH branch in LUDHIANA. The 11-digit IFSC UTIB0005809 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 BENJAMIN ROAD BRANCH 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, UTIB0005809 is the IFSC of Axis Bank's BENJAMIN ROAD BRANCH branch. The format is fixed: UTIB = bank code, 0 = reserved, 005809 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Benjamin Road Branch |
| IFSC Code | UTIB0005809 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BENJAMIN ROAD BRANCH,GROUND AND FIRST FLOOR,B 11 439 1,BENJAMIN ROAD,NEAR DIVISION NUMBER 3,CHOWK, LUDHIANA |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| STD Code | 161 |
| Phone | 6280040783 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Benjamin Road Branch 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, UTIB0005809.
About this branch
The branch is located at BENJAMIN ROAD BRANCH,GROUND AND FIRST FLOOR,B 11 439 1,BENJAMIN ROAD,NEAR DIVISION NUMBER 3,CHOWK, LUDHIANA. 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 UTIB0005809 is used to identify this branch on the RBI payments network.
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 BENJAMIN ROAD BRANCH of Axis Bank — its own 11-character IFSC. The code UTIB0005809 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 UTIB0005809 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UTIB0005809
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 UTIB0005809 across all three.
NEFT to Axis Bank, BENJAMIN ROAD BRANCH using IFSC UTIB0005809
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 UTIB0005809, and confirm that the system picks up Axis Bank – BENJAMIN ROAD BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0005809
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 – BENJAMIN ROAD BRANCH, ensure your bank's portal accepts IFSC UTIB0005809 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank BENJAMIN ROAD BRANCH (IFSC UTIB0005809)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005809 in your mobile or internet banking app, and the money is credited to the BENJAMIN ROAD BRANCH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005809 for Axis Bank – BENJAMIN ROAD BRANCH, 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 – UTIB0005809 | Yes – UTIB0005809 | Yes – UTIB0005809 |
For most retail customers crediting the Benjamin Road Branch 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 BENJAMIN ROAD BRANCH branch, the IFSC UTIB0005809 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 Benjamin Road Branch branch is mapped to IFSC UTIB0005809 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 UTIB0005809.
Products and services
Customers walking into the Benjamin Road Branch 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 UTIB0005809
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 UTIB0005809 and the account number together uniquely identify the Benjamin Road Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Benjamin Road Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0005809 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC UTIB0005809
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Axis Bank – BENJAMIN ROAD BRANCH, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UTIB0005809. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Benjamin Road Branch branch sits at BENJAMIN ROAD BRANCH,GROUND AND FIRST FLOOR,B 11 439 1,BENJAMIN ROAD,NEAR DIVISION NUMBER 3,CHOWK, LUDHIANA. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 161-6280040783 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 UTIB0005809 and your account number.
Verifying IFSC UTIB0005809 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 UTIB0005809 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 161-6280040783.
- 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 Benjamin Road Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005809, however, work 24x7.
Branch address & contact
Axis BankBenjamin Road Branch Branch
BENJAMIN ROAD BRANCH,GROUND AND FIRST FLOOR,B 11 439 1,BENJAMIN ROAD,NEAR DIVISION NUMBER 3,CHOWK, LUDHIANA
Ludhiana, Punjab
Phone: 161-6280040783
IFSC: UTIB0005809
Frequently asked questions
What is the IFSC code of Axis Bank Benjamin Road Branch branch?
The IFSC code of Axis Bank, Benjamin Road Branch branch is UTIB0005809. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Axis Bank Benjamin Road Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005809, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0005809 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Benjamin Road Branch reflect within 30 minutes.
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 Benjamin Road Branch branch but serve different purposes.
Where is Axis Bank Benjamin Road Branch branch located?
Axis Bank's Benjamin Road Branch branch is located at BENJAMIN ROAD BRANCH,GROUND AND FIRST FLOOR,B 11 439 1,BENJAMIN ROAD,NEAR DIVISION NUMBER 3,CHOWK, LUDHIANA, Ludhiana, Punjab.
What is the phone number of Axis Bank Benjamin Road Branch branch?
You can reach the branch at 161-6280040783 during regular banking hours.
Can I use IFSC UTIB0005809 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005809 to send funds instantly.
Is IFSC UTIB0005809 the same for all accounts at Benjamin Road Branch branch?
Yes. The IFSC UTIB0005809 is shared by every account held at Axis Bank's Benjamin Road Branch branch. Only the account number changes from customer to customer.
Final notes
To recap: UTIB0005809 is the IFSC code of Axis Bank, BENJAMIN ROAD BRANCH 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.
