Below are the complete branch details for Axis Bank, HAMBRAN ROAD branch, located in LUDHIANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0002131. 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 UTIB0002131 for Axis Bank – HAMBRAN ROAD — 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 HAMBRAN ROAD branch, the IFSC UTIB0002131 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 002131 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Hambran Road |
| IFSC Code | UTIB0002131 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, KHASRA NO. 5//12,19/1, KHATA NO. 316/326, K.B. TOWERS, HAMBRAN ROAD, LUDHIANA, NEAR KALI MATA MANDIR, DIST. LUDHIANA, PUNJAB, PIN 141001 |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Hambran 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, UTIB0002131.
About the Hambran Road branch
The Hambran Road branch of Axis Bank is situated at GROUND FLOOR, KHASRA NO. 5//12,19/1, KHATA NO. 316/326, K.B. TOWERS, HAMBRAN ROAD, LUDHIANA, NEAR KALI MATA MANDIR, DIST. LUDHIANA, PUNJAB, PIN 141001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0002131 is used.
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 HAMBRAN ROAD of Axis Bank — its own 11-character IFSC. The code UTIB0002131 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 UTIB0002131 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 UTIB0002131
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 UTIB0002131 across all three.
How to use IFSC UTIB0002131 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's HAMBRAN ROAD 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0002131.
- Confirm the bank name auto-populates as Axis Bank and the branch as HAMBRAN ROAD.
- 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 HAMBRAN ROAD
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's HAMBRAN ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002131 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank HAMBRAN ROAD (IFSC UTIB0002131)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0002131 in your mobile or internet banking app, and the money is credited to the HAMBRAN ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0002131 for Axis Bank – HAMBRAN 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 – UTIB0002131 | Yes – UTIB0002131 | Yes – UTIB0002131 |
For most retail customers crediting the Hambran 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.
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 HAMBRAN ROAD branch, the IFSC UTIB0002131 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.
Account types you can open at the Hambran Road branch
Once you have an account at Axis Bank – HAMBRAN ROAD, the IFSC UTIB0002131 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Hambran 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 UTIB0002131
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 UTIB0002131 and the account number together uniquely identify the Hambran Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0002131
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the HAMBRAN 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 UTIB0002131 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.
Common mistakes to avoid when using IFSC UTIB0002131
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 – HAMBRAN ROAD, 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:
UTIB0002131. - 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 Hambran Road branch sits at GROUND FLOOR, KHASRA NO. 5//12,19/1, KHATA NO. 316/326, K.B. TOWERS, HAMBRAN ROAD, LUDHIANA, NEAR KALI MATA MANDIR, DIST. LUDHIANA, PUNJAB, PIN 141001. If you are travelling from outside Ludhiana, 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 UTIB0002131 and your account number.
Verifying IFSC UTIB0002131 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 UTIB0002131 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Hambran Road 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 UTIB0002131 continue to work without interruption.
Branch address & contact
Axis BankHambran Road Branch
GROUND FLOOR, KHASRA NO. 5//12,19/1, KHATA NO. 316/326, K.B. TOWERS, HAMBRAN ROAD, LUDHIANA, NEAR KALI MATA MANDIR, DIST. LUDHIANA, PUNJAB, PIN 141001
Ludhiana, Punjab
Phone: the branch contact number
IFSC: UTIB0002131
Frequently asked questions
What is the IFSC code of Axis Bank Hambran Road branch?
The IFSC code of Axis Bank, Hambran Road branch is UTIB0002131. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0002131 valid for NEFT and RTGS?
Yes. IFSC UTIB0002131 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Hambran Road branch located?
Axis Bank's Hambran Road branch is located at GROUND FLOOR, KHASRA NO. 5//12,19/1, KHATA NO. 316/326, K.B. TOWERS, HAMBRAN ROAD, LUDHIANA, NEAR KALI MATA MANDIR, DIST. LUDHIANA, PUNJAB, PIN 141001, Ludhiana, Punjab.
What is the phone number of Axis Bank Hambran Road branch?
You can reach the branch at the branch contact number during regular banking hours.
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 Hambran Road branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0002131 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Hambran Road reflect within 30 minutes.
Is IFSC UTIB0002131 the same for all accounts at Hambran Road branch?
Yes. The IFSC UTIB0002131 is shared by every account held at Axis Bank's Hambran Road branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0002131 belongs to Axis Bank's HAMBRAN ROAD branch, located at GROUND FLOOR, KHASRA NO. 5//12,19/1, KHATA NO. 316/326, K.B. TOWERS, HAMBRAN… in LUDHIANA, 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.
