LUDHIANA, PUNJAB
IFSC Code
UTIB0005890
MICR Code
141211057
Branch
HAIBOWAL KALAN LUDHIANA
Bank
Axis Bank
District
LUDHIANA
State
PUNJAB
Contact
+916284114965
Address
GROUND FLOOR, KHATA NO 1651BY1788, KHASRA NO 22BY7 5,0 MEASURING 0K, 2.5BY6M AND 0K 8.1BY2M, HAIBOWAL MAIN ROAD NEAR PETROL PUMP, HAIBOWAL KALAN, LUDHIANA, PUNJAB 141001
To move funds into an account held at HAIBOWAL KALAN LUDHIANA (Axis Bank) using NEFT, the sender's bank needs this branch's IFSC code — UTIB0005890. NEFT settles in batches throughout the day, so it's a good fit for transfers that don't need to land instantly.
RTGS is the go-to option when transferring large sums (₹2 lakh+) to HAIBOWAL KALAN LUDHIANA in LUDHIANA, since each transfer is settled individually and immediately rather than bundled with others.
Need money at Axis Bank, HAIBOWAL KALAN LUDHIANA right now? IMPS settles instantly, 24x7, including weekends and holidays — unlike NEFT/RTGS, which follow banking-hour batch or settlement windows.
A distinction that matters if you're transferring to HAIBOWAL KALAN LUDHIANA: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.
| Method | System Hours | If Visiting HAIBOWAL KALAN LUDHIANA In Person |
|---|---|---|
| NEFT | 24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019) | Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours. |
| RTGS | 24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020) | Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests. |
| IMPS | 24x7x365 — always has been, no banking-hours restriction at the system level. | Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh). |
The IFSC code for Axis Bank's HAIBOWAL KALAN LUDHIANA branch in LUDHIANA, PUNJAB is UTIB0005890. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.
The MICR code for this branch is 141211057. MICR codes are used for cheque clearing, while the IFSC code (UTIB0005890) is what's needed for electronic transfers like NEFT and RTGS.
This branch is located at: GROUND FLOOR, KHATA NO 1651BY1788, KHASRA NO 22BY7 5,0 MEASURING 0K, 2.5BY6M AND 0K 8.1BY2M, HAIBOWAL MAIN ROAD NEAR PETROL PUMP, HAIBOWAL KALAN, LUDHIANA, PUNJAB 141001. It falls under LUDHIANA district, PUNJAB.
Yes — the same IFSC code (UTIB0005890) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.
Yes, this branch's listed contact number is +916284114965.
IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.