IFSC Code of Standard Chartered Bank, Ludhiana Branch, Punjab

Use this page as a one-stop reference for everything related to Standard Chartered Bank's LUDHIANA branch in LUDHIANA, PUNJAB. The branch's IFSC code SCBL0036037 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 Standard Chartered Bank – LUDHIANA is SCBL0036037. The first four letters SCBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 036037 map to this branch in LUDHIANA, PUNJAB.

Bank profile

Standard Chartered Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ludhiana branch — IFSC SCBL0036037 — extends the bank's services to customers in and around Ludhiana, Punjab.

Branch details at a glance

About this branch

The branch is located at SCO 16-17, FEROZE GANDHI MARKET. It serves the Ludhiana region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Standard Chartered Bank. The IFSC SCBL0036037 is used to identify this branch on the RBI payments network.

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 Standard Chartered Bank's LUDHIANA branch came to be assigned the code SCBL0036037.

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 SCBL0036037, money simply cannot be routed to the LUDHIANA branch electronically.

Products and account variants supported

Every account opened at the Ludhiana branch is mapped to IFSC SCBL0036037 on the RBI payments network. The branch generally supports the full retail product catalogue of Standard Chartered 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 SCBL0036037.

Products and services

Customers walking into the Ludhiana branch can access most of Standard Chartered 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 SCBL0036037

How to transfer money using IFSC SCBL0036037

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 SCBL0036037 across all three.

NEFT to Standard Chartered Bank, LUDHIANA using IFSC SCBL0036037

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 SCBL0036037, and confirm that the system picks up Standard Chartered Bank – LUDHIANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC SCBL0036037

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 Standard Chartered Bank – LUDHIANA, ensure your bank's portal accepts IFSC SCBL0036037 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Standard Chartered Bank LUDHIANA (IFSC SCBL0036037)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SCBL0036037 in your mobile or internet banking app, and the money is credited to the LUDHIANA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ludhiana

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 SCBL0036037:

• 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 is still linked to IFSC SCBL0036037.

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.

UPI payments and IFSC SCBL0036037

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 Standard Chartered Bank – LUDHIANA is still mapped to IFSC SCBL0036037. 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 SCBL0036037 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Ludhiana 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 SCBL0036037 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.

MICR & cheque-truncation details

Cheques drawn on the Ludhiana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SCBL0036037 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 Standard Chartered Bank – LUDHIANA:

• The IFSC is exactly SCBL0036037 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Standard Chartered Bank as the bank name and LUDHIANA 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 Ludhiana branch

The branch is located at SCO 16-17, FEROZE GANDHI MARKET, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Standard Chartered Bank Ludhiana branch” — the verified location pin for IFSC SCBL0036037 should appear at the top of the results.
2. Confirm the branch is open by calling 161-5084030 before stepping out, especially around public holidays.
3. 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 SCBL0036037 and your account number.

Verifying IFSC SCBL0036037 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 SCBL0036037 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 161-5084030.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ludhiana 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 SCBL0036037 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: SCBL0036037 is the IFSC code of Standard Chartered Bank, LUDHIANA branch, in LUDHIANA, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.