This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, SAHNEWAL branch in SAHNEWAL. The 11-digit IFSC UTIB0001819 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 SAHNEWAL 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.
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 SAHNEWAL branch, the IFSC UTIB0001819 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 001819 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Sahnewal branch in Sahnewal. 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, UTIB0001819.
Sahnewal branch overview
Located at GROUND FLOOR,B-1 228, G.T. ROAD, NEAR BUS STOP, SAHNEWAL, DISTT. LUDHIANA, PUNJAB-141120, the Sahnewal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0001819 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Sahnewal |
| IFSC Code | UTIB0001819 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR,B-1 228, G.T. ROAD, NEAR BUS STOP, SAHNEWAL, DISTT. LUDHIANA, PUNJAB-141120 |
| City | Sahnewal |
| District | Ludhiana |
| State | Punjab |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's SAHNEWAL branch came to be assigned the code UTIB0001819.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0001819, money simply cannot be routed to the SAHNEWAL branch electronically.
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 UTIB0001819 and the account number together uniquely identify the Sahnewal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0001819
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 UTIB0001819 across all three.
NEFT to Axis Bank, SAHNEWAL using IFSC UTIB0001819
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 UTIB0001819, and confirm that the system picks up Axis Bank – SAHNEWAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SAHNEWAL
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SAHNEWAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0001819 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 – SAHNEWAL, use IMPS. With IFSC UTIB0001819 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Sahnewal
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0001819:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at SAHNEWAL is still linked to IFSC UTIB0001819.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 SAHNEWAL branch, the IFSC UTIB0001819 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 Sahnewal branch is mapped to IFSC UTIB0001819 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 UTIB0001819.
Banking services available
The Sahnewal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0001819
Digital banking channels
Most day-to-day work that customers used to do at the Sahnewal 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 UTIB0001819 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.
How to reach the Sahnewal branch
The branch is located at GROUND FLOOR,B-1 228, G.T. ROAD, NEAR BUS STOP, SAHNEWAL, DISTT. LUDHIANA, PUNJAB-141120, which puts it inside Sahnewal, the broader Ludhiana district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Sahnewal branch” — the verified location pin for IFSC UTIB0001819 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 UTIB0001819 and your account number.
Common mistakes to avoid when using IFSC UTIB0001819
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 – SAHNEWAL, 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:
UTIB0001819. - 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.
Working hours
Branch counters at Sahnewal 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 UTIB0001819 continue to work without interruption.
Verifying IFSC UTIB0001819 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 UTIB0001819 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.
Branch address & contact
Axis BankSahnewal Branch
GROUND FLOOR,B-1 228, G.T. ROAD, NEAR BUS STOP, SAHNEWAL, DISTT. LUDHIANA, PUNJAB-141120
Sahnewal, Punjab
Phone: the branch contact number
IFSC: UTIB0001819
Frequently asked questions
Is IFSC UTIB0001819 the same for all accounts at Sahnewal branch?
Yes. The IFSC UTIB0001819 is shared by every account held at Axis Bank's Sahnewal branch. Only the account number changes from customer to customer.
How do I add Axis Bank Sahnewal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0001819, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Axis Bank Sahnewal branch?
The IFSC code of Axis Bank, Sahnewal branch is UTIB0001819. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UTIB0001819 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Sahnewal reflect within 30 minutes.
Where is Axis Bank Sahnewal branch located?
Axis Bank's Sahnewal branch is located at GROUND FLOOR,B-1 228, G.T. ROAD, NEAR BUS STOP, SAHNEWAL, DISTT. LUDHIANA, PUNJAB-141120, Sahnewal, Punjab.
Is IFSC UTIB0001819 valid for NEFT and RTGS?
Yes. IFSC UTIB0001819 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UTIB0001819 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001819 to send funds instantly.
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 Sahnewal branch but serve different purposes.
Summary
The IFSC code UTIB0001819 belongs to Axis Bank's SAHNEWAL branch, located at GROUND FLOOR,B-1 228, G.T. ROAD, NEAR BUS STOP, SAHNEWAL, DISTT. LUDHIANA,… in SAHNEWAL, 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.
