This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, RATTAN branch in LUDHIANA. The 11-digit IFSC UTIB0005373 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 RATTAN 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.
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 – RATTAN is UTIB0005373. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005373 map to this branch in LUDHIANA, PUNJAB.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Rattan branch in Ludhiana, Punjab is part of this network and uses the IFSC code UTIB0005373 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Rattan |
| IFSC Code | UTIB0005373 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AXIS BANK LTD,GROUND FLOOR,PLOT NO 337,KHEWAT NO 99 92 AND 100 93,KHATAUNI NO 108 AND 109 |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| Phone | 8727859707 |
About the Rattan branch
The Rattan branch of Axis Bank is situated at AXIS BANK LTD,GROUND FLOOR,PLOT NO 337,KHEWAT NO 99 92 AND 100 93,KHATAUNI NO 108 AND 109. 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 UTIB0005373 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 RATTAN of Axis Bank — its own 11-character IFSC. The code UTIB0005373 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 UTIB0005373 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 Rattan branch is mapped to IFSC UTIB0005373 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 UTIB0005373.
Products and services
Customers walking into the Rattan 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 UTIB0005373
How to transfer money using IFSC UTIB0005373
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 UTIB0005373 across all three.
How to use IFSC UTIB0005373 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RATTAN 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 UTIB0005373.
- Confirm the bank name auto-populates as Axis Bank and the branch as RATTAN.
- 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 RATTAN
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's RATTAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005373 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – RATTAN, use IMPS. With IFSC UTIB0005373 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005373 for Axis Bank – RATTAN, 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 – UTIB0005373 | Yes – UTIB0005373 | Yes – UTIB0005373 |
For most retail customers crediting the Rattan 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 UTIB0005373
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 – RATTAN is still mapped to IFSC UTIB0005373. 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 UTIB0005373 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0005373
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the RATTAN 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 UTIB0005373 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.
MICR & cheque-truncation details
Cheques drawn on the Rattan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005373 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – RATTAN:
- The IFSC is exactly UTIB0005373 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 RATTAN 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 Rattan branch sits at AXIS BANK LTD,GROUND FLOOR,PLOT NO 337,KHEWAT NO 99 92 AND 100 93,KHATAUNI NO 108 AND 109. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 8727859707 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 UTIB0005373 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0005373 for Axis Bank – RATTAN, 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 Rattan 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 UTIB0005373 continue to work without interruption.
Branch address & contact
Axis BankRattan Branch
AXIS BANK LTD,GROUND FLOOR,PLOT NO 337,KHEWAT NO 99 92 AND 100 93,KHATAUNI NO 108 AND 109
Ludhiana, Punjab
Phone: 8727859707
IFSC: UTIB0005373
Frequently asked questions
Does Axis Bank Rattan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8727859707 to confirm.
How do I add Axis Bank Rattan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005373, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0005373 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Rattan reflect within 30 minutes.
Where is Axis Bank Rattan branch located?
Axis Bank's Rattan branch is located at AXIS BANK LTD,GROUND FLOOR,PLOT NO 337,KHEWAT NO 99 92 AND 100 93,KHATAUNI NO 108 AND 109, Ludhiana, Punjab.
What is the phone number of Axis Bank Rattan branch?
You can reach the branch at 8727859707 during regular banking hours.
Can I use IFSC UTIB0005373 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005373 to send funds instantly.
Summary
The IFSC code UTIB0005373 belongs to Axis Bank's RATTAN branch, located at AXIS BANK LTD,GROUND FLOOR,PLOT NO 337,KHEWAT NO 99 92 AND 100 93,KHATAUNI NO… 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.
