Branch Details — UTIB0002130
| Bank Name | Axis Bank |
| Branch Name | Payal |
| IFSC Code | UTIB0002130 |
| MICR Code | 141211203 |
| Bank Code (RBI) | UTIB |
| Branch Code | 002130 |
| Address | GROUND FLOOR,MUNICIPAL ROAD NO 1915, MALERKOTLA ROAD, PAYAL 141416, LUDHIANA, PIN -141416 |
| City | Ludhiana |
| District | Payal |
| State | Punjab |
| Toll Free | 1860-419-5555 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using UTIB0002130
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC UTIB0002130.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC UTIB0002130.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is UTIB0002130. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Axis Bank Payal branch, Ludhiana, Punjab.
The MICR code is 141211203. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: GROUND FLOOR,MUNICIPAL ROAD NO 1915, MALERKOTLA ROAD, PAYAL 141416, LUDHIANA, PIN -141416. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
UTIB identifies Axis Bank. The 5th character 0 is reserved by RBI. The last 6 characters 002130 identify the Payal branch.
Yes. Axis Bank Payal Branch (IFSC: UTIB0002130) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC UTIB0002130 → select NEFT/RTGS/IMPS → confirm with OTP.