IFSC Code of IDFC First Bank Limited, Ludhiana Branch Branch, Punjab

Below are the complete branch details for IDFC First Bank Limited, LUDHIANA BRANCH branch, located in LUDHIANA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is IDFB0021171. 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 IDFB0021171 for IDFC First Bank Limited – LUDHIANA BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IDFB0021171 is the IFSC of IDFC First Bank Limited's LUDHIANA BRANCH branch. The format is fixed: IDFB = bank code, 0 = reserved, 021171 = branch identifier.

Bank profile

IDFC First Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ludhiana Branch branch — IFSC IDFB0021171 — extends the bank's services to customers in and around Ludhiana, Punjab.

About the Ludhiana Branch branch

The Ludhiana Branch branch of IDFC First Bank Limited is situated at GROUND FLOOR,SCO 15 SAN PLAZA, FEROZE GANDHI MARKET ,LUDHIANA,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 IDFB0021171 is used.

Branch details at a glance

Why every IDFC First Bank Limited 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 LUDHIANA BRANCH of IDFC First Bank Limited — its own 11-character IFSC. The code IDFB0021171 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 IDFB0021171 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by IDFC First Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDFB0021171 and the account number together uniquely identify the Ludhiana Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IDFB0021171

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 IDFB0021171 across all three.

NEFT to IDFC First Bank Limited, LUDHIANA BRANCH using IFSC IDFB0021171

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 IDFB0021171, and confirm that the system picks up IDFC First Bank Limited – LUDHIANA BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LUDHIANA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at IDFC First Bank Limited's LUDHIANA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IDFB0021171 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to IDFC First Bank Limited – LUDHIANA BRANCH, use IMPS. With IFSC IDFB0021171 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 Ludhiana Branch

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 IDFB0021171:

• 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 LUDHIANA BRANCH is still linked to IFSC IDFB0021171.

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 IDFC First Bank Limited's LUDHIANA BRANCH branch, the IFSC IDFB0021171 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 Ludhiana Branch branch

Once you have an account at IDFC First Bank Limited – LUDHIANA BRANCH, the IFSC IDFB0021171 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.

Banking services available

The Ludhiana Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9501083007.

• 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 IDFB0021171

Digital banking channels

Most day-to-day work that customers used to do at the Ludhiana Branch 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 IDFB0021171 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.

Reaching the branch

The Ludhiana Branch branch sits at GROUND FLOOR,SCO 15 SAN PLAZA, FEROZE GANDHI MARKET ,LUDHIANA,141001. If you are travelling from outside Ludhiana, search for the branch on a maps application using the bank name and locality, or call 9501083007 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 IDFB0021171 and your account number.

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 IDFC First Bank Limited – LUDHIANA BRANCH:

• The IFSC is exactly IDFB0021171 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDFC First Bank Limited as the bank name and LUDHIANA BRANCH 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.

Working hours

Branch counters at Ludhiana Branch 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 IDFB0021171 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IDFB0021171 for IDFC First Bank Limited – LUDHIANA BRANCH, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IDFB0021171 belongs to IDFC First Bank Limited's LUDHIANA BRANCH branch, located at GROUND FLOOR,SCO 15 SAN PLAZA, FEROZE GANDHI MARKET ,LUDHIANA,141001 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.