Axis Bank
KESAR GANJ CHOWK BRANCH
+919988833074
Understanding IFSC Code: The Digital DNA of Axis Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the KESAR GANJ CHOWK
branch of Axis Bank, the code UTIB0003086 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the UTIB0003086 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"UTIB" represents Axis Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for KESAR GANJ CHOWK
Payment Systems Supported by UTIB0003086
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—141211028—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Axis Bank in LUDHIANA typically follows the RBI holiday calendar. Digital transfers via UTIB0003086 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While UTIB0003086 is the valid code for KESAR GANJ CHOWK at LUDHIANA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • KESAR GANJ CHOWK Contact
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- • MICR Code Finder
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Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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