Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Axis Bank for its Cheema Kalan branch in Amritsar, Cheema, or Punjab, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Axis Bank located in Amritsar or anywhere in Punjab can transfer funds instantly by using the correct IFSC Code UTIB0002205. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for Axis Bank, Cheema Kalan, Amritsar
The table below shows the main details of the IFSC Code UTIB0002205 for the Axis Bank branch in Amritsar, which falls under the Cheema district in Punjab.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0002205 |
| Branch | Cheema Kalan |
| City | Amritsar |
| District | Cheema |
| State | Punjab |
| Address | Ground Floor,Village Cheema Kalan-144410,Tehsil Phillaur & Distt. Jalandhar, Punjab, Phillaur, Pin-144410 |
These details help users in online banking and for businesses and individuals who use Axis Bank in Amritsar for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0002205 for the Cheema Kalan branch of Axis Bank has a very important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Axis Bank located in Cheema Kalan, Amritsar, Punjab, are given a unique IFSC like UTIB0002205 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Amritsar.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents any kind of confusion between different branches of the same bank in places like Amritsar and Cheema.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It helps ensure that any money sent to Axis Bank in Cheema Kalan goes to the correct branch. This is important because Axis Bank has thousands of branches in Punjab and all over India, and the IFSC Code prevents payments from going to the wrong place.
Format of the IFSC Code UTIB0002205
The format of the IFSC Code for banks, including Axis Bank, has an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Axis Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Cheema Kalan in Amritsar.
For example, the IFSC Code UTIB0002205 of Axis Bank for the Cheema Kalan branch includes these elements, identifying the bank and the branch location in Amritsar and Punjab correctly.
How to Find IFSC Code for Axis Bank?
If you are trying to find the IFSC Code UTIB0002205 of Axis Bank for its Cheema Kalan branch located in Amritsar, the following methods can help:
Cheque Book
The cheque book issued by Axis Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including Axis Bank branches in Amritsar and Cheema, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of Axis Bank and navigate to the branch locator section. Search for Cheema Kalan or Amritsar to get the exact IFSC Code UTIB0002205.
Mobile Banking App
If you use Axis Bank's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Axis Bank and Amritsar, you'll get the correct details.
How to Use IFSC Code UTIB0002205 for Online Transfers?
Once you have the IFSC Code UTIB0002205 for the Cheema Kalan branch of Axis Bank in Amritsar, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTIB0002205. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Axis Bank IFSC Code UTIB0002205.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank Cheema Kalan in Amritsar, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Axis Bank in Cheema Kalan, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Axis Bank website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Amritsar manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is UTIB0002205.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Ground Floor,Village Cheema Kalan-144410,Tehsil Phillaur & Distt. Jalandhar, Punjab, Phillaur, Pin-144410 located in Amritsar, Cheema, Punjab.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
