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 U M Road Surat branch in Surat, Surat, Gujarat, 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 Surat or anywhere in Gujarat can transfer funds instantly by using the correct IFSC Code UTIB0004345. 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, U M Road Surat, Surat
The table below shows the main details of the IFSC Code UTIB0004345 for the Axis Bank branch in Surat, which falls under the Surat district in Gujarat.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0004345 |
| Branch | U M Road Surat |
| City | Surat |
| District | Surat |
| State | Gujarat |
| Address | Ground Floor Shop No 1 2 3 Revenue Sr No 50 51 52 Tpno 6 Fpno 109 C S 1076 1 Somnath Society Um Road 395002 |
These details help users in online banking and for businesses and individuals who use Axis Bank in Surat for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0004345 for the U M Road Surat 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 that is provided by the Reserve Bank of India. A unique IFSC like UTIB0004345 is given to every bank branch, including Axis Bank located in U M Road Surat, Surat, Gujarat, to make sure that online payments reach the right place.
The IFSC Code is important because:
- It uniquely identifies the Axis Bank branch in Surat.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any kind of confusion between multiple branches of the same bank across different places like Surat and Surat.
- It removes errors in fund transfers and improves accuracy.
- It lets the sender banks validate and confirm branch details before they process the payments.
There are thousands of branches across Gujarat and the rest of India, which is why the IFSC Code ensures that transactions meant for Axis Bank in U M Road Surat doesn't end up at another location.
Format of the IFSC Code UTIB0004345
The format of the IFSC Code for banks, including Axis Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown of this:
- First 4 characters (AAAA): Represent the bank code. For Axis Bank, these characters are the bank's short identifier.
- 5th character (0): Always zero which is reserved for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as U M Road Surat in Surat.
For example, the IFSC Code UTIB0004345 of Axis Bank for the U M Road Surat branch includes these elements, identifying the bank and the branch location in Surat and Gujarat accurately.
How to Find IFSC Code for Axis Bank?
To find the IFSC Code UTIB0004345 of Axis Bank for its U M Road Surat branch located in Surat, the following methods can help you out:
Cheque Book
The cheque book issued by Axis Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most banks, including Axis Bank branches in Surat and Surat, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of Axis Bank and go to the branch locator section. Then search for U M Road Surat or Surat to find the exact IFSC Code UTIB0004345.
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 maintains an updated database of all IFSC codes. Searching for Axis Bank and Surat will provide accurate information.
How to Use IFSC Code UTIB0004345 for Online Transfers?
Once you have the IFSC Code UTIB0004345 for the U M Road Surat branch of Axis Bank in Surat, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTIB0004345. 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 UTIB0004345.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank U M Road Surat in Surat, your payment can get delayed or might not go through at all.
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 U M Road Surat, 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 Surat to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code is UTIB0004345.
Yes, but there can be changes during mergers or restructuring.
No, MICR is for cheque clearing and the IFSC is for online transfers.
You can easily find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Ground Floor Shop No 1 2 3 Revenue Sr No 50 51 52 Tpno 6 Fpno 109 C S 1076 1 Somnath Society Um Road 395002 located in Surat, Surat, Gujarat.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
