The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Axis Bank for its Channi Himmat branch in Jammu, Jammu, Jammu And Kashmir, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Axis Bank located in Jammu or anywhere in Jammu And Kashmir can transfer funds instantly by using the correct IFSC Code UTIB0004976. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Axis Bank, Channi Himmat, Jammu
The table below shows the main details of the IFSC Code UTIB0004976 for the Axis Bank branch in Jammu, which falls under the Jammu district in Jammu And Kashmir.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0004976 |
| Branch | Channi Himmat |
| City | Jammu |
| District | Jammu |
| State | Jammu And Kashmir |
| Address | Gr Floor And First Floor, Khasra No 140 2 Min, Khata No 18 Min, Khewat No 1 Min, Channi Himmat |
These details are important not only for users using online banking but also for businesses and individuals who use Axis Bank in Jammu for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code UTIB0004976 for the Channi Himmat branch of Axis Bank is vital.
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 Channi Himmat, Jammu, Jammu And Kashmir, are given a unique IFSC like UTIB0004976 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Jammu.
- 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 Jammu and Jammu.
- 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 Channi Himmat goes to the correct branch. This is important because Axis Bank has thousands of branches in Jammu And Kashmir and all over India, and the IFSC Code prevents payments from going to the wrong place.
Format of the IFSC Code UTIB0004976
The format of the IFSC Code for banks, including Axis Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): These represent the bank code. In Axis Bank, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Channi Himmat in Jammu.
For example, the IFSC Code UTIB0004976 of Axis Bank for the Channi Himmat branch has these elements, identifying the bank and the branch location in Jammu and Jammu And Kashmir correctly.
How to Find IFSC Code for Axis Bank?
If you are trying to find the IFSC Code UTIB0004976 of Axis Bank for its Channi Himmat branch located in Jammu, 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
You can easily find the IFSC and MICR codes because most banks, including Axis Bank branches in Jammu and Jammu, print them 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 Channi Himmat or Jammu to get the exact IFSC Code UTIB0004976.
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 Jammu, you'll get the correct details.
How to Use IFSC Code UTIB0004976 for Online Transfers?
Once you have the IFSC Code UTIB0004976 for the Channi Himmat branch of Axis Bank in Jammu, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTIB0004976. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹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 UTIB0004976.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank Channi Himmat in Jammu, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Axis Bank in Channi Himmat, you can find it by any of the following ways:
- Check the bottom of your cheque leaf.
- Go to the first page of your passbook.
- Visit the official Axis Bank website.
- Search the RBI portal.
Having both IFSC and MICR codes helps account holders in Jammu manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is UTIB0004976.
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 Gr Floor And First Floor, Khasra No 140 2 Min, Khata No 18 Min, Khewat No 1 Min, Channi Himmat located in Jammu, Jammu, Jammu And Kashmir.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.