IFSC Code of Axis Bank, Haibowal Kalan Ludhiana Branch, Punjab

Below are the complete branch details for Axis Bank, HAIBOWAL KALAN LUDHIANA branch, located in LUDHIANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0005890. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0005890 for Axis Bank – HAIBOWAL KALAN LUDHIANA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Axis Bank's HAIBOWAL KALAN LUDHIANA branch, the IFSC UTIB0005890 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005890 identifies this particular branch.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Haibowal Kalan Ludhiana 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, UTIB0005890.

Branch details at a glance

Haibowal Kalan Ludhiana branch overview

Located at GROUND FLOOR, KHATA NO 1651BY1788, KHASRA NO 22BY7 5,0 MEASURING 0K, 2.5BY6M AND 0K 8.1BY2M, HAIBOWAL MAIN ROAD NEAR PETROL PUMP, HAIBOWAL KALAN, LUDHIANA, PUNJAB 141001, the Haibowal Kalan Ludhiana branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0005890 is required for all interbank electronic transfers routed through this branch.

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 HAIBOWAL KALAN LUDHIANA of Axis Bank — its own 11-character IFSC. The code UTIB0005890 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 UTIB0005890 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Haibowal Kalan Ludhiana branch is mapped to IFSC UTIB0005890 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 UTIB0005890.

Products and services

Customers walking into the Haibowal Kalan Ludhiana 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 UTIB0005890

How to transfer money using IFSC UTIB0005890

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 UTIB0005890 across all three.

How to use IFSC UTIB0005890 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's HAIBOWAL KALAN LUDHIANA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0005890.
4. Confirm the bank name auto-populates as Axis Bank and the branch as HAIBOWAL KALAN LUDHIANA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to HAIBOWAL KALAN LUDHIANA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's HAIBOWAL KALAN LUDHIANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005890 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank HAIBOWAL KALAN LUDHIANA (IFSC UTIB0005890)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005890 in your mobile or internet banking app, and the money is credited to the HAIBOWAL KALAN LUDHIANA branch account within seconds.

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

All three modes accept the IFSC UTIB0005890 for Axis Bank – HAIBOWAL KALAN LUDHIANA, 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 Haibowal Kalan Ludhiana 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 UTIB0005890

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 – HAIBOWAL KALAN LUDHIANA is still mapped to IFSC UTIB0005890. 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 UTIB0005890 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Haibowal Kalan Ludhiana 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 UTIB0005890 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.

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 UTIB0005890 and the account number together uniquely identify the Haibowal Kalan Ludhiana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – HAIBOWAL KALAN LUDHIANA:

• The IFSC is exactly UTIB0005890 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 HAIBOWAL KALAN LUDHIANA 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 Haibowal Kalan Ludhiana branch sits at GROUND FLOOR, KHATA NO 1651BY1788, KHASRA NO 22BY7 5,0 MEASURING 0K, 2.5BY6M AND 0K 8.1BY2M, HAIBOWAL MAIN ROAD NEAR PETROL PUMP, HAIBOWAL KALAN, LUDHIANA, PUNJAB 141001. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 161-6284114965 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 UTIB0005890 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0005890 for Axis Bank – HAIBOWAL KALAN LUDHIANA, 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.

Working hours

Branch counters at Haibowal Kalan Ludhiana are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UTIB0005890 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0005890 is the IFSC code of Axis Bank, HAIBOWAL KALAN LUDHIANA 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.