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. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Axis Bank for its Ghagour branch in Jammu, Samba, Jammu And Kashmir, then this guide will give you detailed information.
The banking system has evolved significantly in India, and today the customers of Axis Bank located in Jammu or anywhere in Jammu And Kashmir can transfer funds instantly by using the correct IFSC Code UTIB0002425. 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, Ghagour, Jammu
The table below shows the main details of the IFSC Code UTIB0002425 for the Axis Bank branch in Jammu, which falls under the Samba district in Jammu And Kashmir.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0002425 |
| Branch | Ghagour |
| City | Jammu |
| District | Samba |
| State | Jammu And Kashmir |
| Address | Dist Samba, Jammu & Kashmir, Pin 184120 |
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 UTIB0002425 for the Ghagour branch of Axis Bank is vital.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Axis Bank located in Ghagour, Jammu, Jammu And Kashmir, is provided a unique IFSC like UTIB0002425 so that their online payments reach the right place.
The IFSC Code is important because:
- It uniquely recognizes the Axis Bank branch in Jammu.
- Helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any confusions between multiple branches of the same bank across different places like Jammu and Samba.
- It reduces most of the errors in fund transfers and makes sure its accuracy.
- It enables sender banks to validate and confirm branch details before processing payments.
For thousands of branches across Jammu And Kashmir and the rest of India, the IFSC Code ensures that transactions meant for Axis Bank in Ghagour do not get misguided to another person.
Format of the IFSC Code UTIB0002425
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): 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 Ghagour in Jammu.
For example, the IFSC Code UTIB0002425 of Axis Bank for the Ghagour branch includes these elements, identifying the bank and the branch location in Jammu and Jammu And Kashmir accurately.
How to Find IFSC Code for Axis Bank?
If you are looking for the IFSC Code UTIB0002425 of Axis Bank for its Ghagour branch located in Jammu, the following methods can help:
Cheque Book
The cheque book that is issued by Axis Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including Axis Bank branches in Jammu and Samba, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of Axis Bank and look for the branch locator section, then search for Ghagour or Jammu to get the exact IFSC Code UTIB0002425.
Mobile Banking App
If you use Axis Bank's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Axis Bank and Jammu, then it will provide you proper information.
How to Use IFSC Code UTIB0002425 for Online Transfers?
If you have the IFSC Code UTIB0002425 for the Ghagour branch of Axis Bank in Jammu, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code UTIB0002425. Transfers are processed in batches. Suitable for 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. Asks for the recipient's account details and Axis Bank IFSC Code UTIB0002425.
Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Axis Bank Ghagour in Jammu, it may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Axis Bank in Ghagour, here are some ways to obtain 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.
Having both the IFSC and MICR codes makes it easy for account holders in Jammu to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code is UTIB0002425.
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 Dist Samba, Jammu & Kashmir, Pin 184120 located in Jammu, Samba, Jammu And Kashmir.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
