If you are searching for the IFSC code of Axis Bank, RURKA branch in LUDHIANA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UTIB0002411. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RURKA branch, and detailed step-by-step guides for using the IFSC UTIB0002411 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, UTIB0002411 is the IFSC of Axis Bank's RURKA branch. The format is fixed: UTIB = bank code, 0 = reserved, 002411 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Rurka |
| IFSC Code | UTIB0002411 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR,VILLAGE RURKA,TEH DEHLON,LUDHIANA,PUNJAB,141118 |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| STD Code | 161 |
| Phone | 2854411 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Rurka 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, UTIB0002411.
Rurka branch overview
Located at GROUND FLOOR,VILLAGE RURKA,TEH DEHLON,LUDHIANA,PUNJAB,141118, the Rurka branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0002411 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 RURKA of Axis Bank — its own 11-character IFSC. The code UTIB0002411 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 UTIB0002411 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 UTIB0002411
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 UTIB0002411 across all three.
How to use IFSC UTIB0002411 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RURKA 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 UTIB0002411.
- Confirm the bank name auto-populates as Axis Bank and the branch as RURKA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0002411
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 – RURKA, ensure your bank's portal accepts IFSC UTIB0002411 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – RURKA, use IMPS. With IFSC UTIB0002411 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 UTIB0002411 for Axis Bank – RURKA, 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 – UTIB0002411 | Yes – UTIB0002411 | Yes – UTIB0002411 |
For most retail customers crediting the Rurka 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 RURKA branch, the IFSC UTIB0002411 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 Rurka branch
Once you have an account at Axis Bank – RURKA, the IFSC UTIB0002411 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 Rurka 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 UTIB0002411
MICR & cheque-truncation details
Cheques drawn on the Rurka branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002411 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0002411
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the RURKA 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 UTIB0002411 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 – RURKA:
- The IFSC is exactly UTIB0002411 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 RURKA 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.
How to reach the Rurka branch
The branch is located at GROUND FLOOR,VILLAGE RURKA,TEH DEHLON,LUDHIANA,PUNJAB,141118, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Rurka branch” — the verified location pin for IFSC UTIB0002411 should appear at the top of the results.
- Confirm the branch is open by calling 161-2854411 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UTIB0002411 and your account number.
Verifying IFSC UTIB0002411 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 UTIB0002411 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 161-2854411.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Rurka 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 UTIB0002411 continue to work without interruption.
Branch address & contact
Axis BankRurka Branch
GROUND FLOOR,VILLAGE RURKA,TEH DEHLON,LUDHIANA,PUNJAB,141118
Ludhiana, Punjab
Phone: 161-2854411
IFSC: UTIB0002411
Frequently asked questions
Can I use IFSC UTIB0002411 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002411 to send funds instantly.
Is IFSC UTIB0002411 valid for NEFT and RTGS?
Yes. IFSC UTIB0002411 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Axis Bank Rurka as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002411, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Rurka branch?
You can reach the branch at 161-2854411 during regular banking hours.
How quickly will an NEFT transfer using UTIB0002411 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Rurka reflect within 30 minutes.
Is IFSC UTIB0002411 the same for all accounts at Rurka branch?
Yes. The IFSC UTIB0002411 is shared by every account held at Axis Bank's Rurka branch. Only the account number changes from customer to customer.
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 Rurka branch but serve different purposes.
What is the IFSC code of Axis Bank Rurka branch?
The IFSC code of Axis Bank, Rurka branch is UTIB0002411. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UTIB0002411 belongs to Axis Bank's RURKA branch, located at GROUND FLOOR,VILLAGE RURKA,TEH DEHLON,LUDHIANA,PUNJAB,141118 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.
