IFSC Code of Axis Bank, Uma Shankar Joshi Marg, Ahmedabad Branch, Gujarat

Use this page as a one-stop reference for everything related to Axis Bank's UMA SHANKAR JOSHI MARG, AHMEDABAD branch in AHMEDAABAD, GUJARAT. The branch's IFSC code UTIB0004749 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Axis Bank – UMA SHANKAR JOSHI MARG, AHMEDABAD is UTIB0004749. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004749 map to this branch in AHMEDAABAD, GUJARAT.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Uma Shankar Joshi Marg, Ahmedabad branch — IFSC UTIB0004749 — extends the bank's services to customers in and around Ahmedaabad, Gujarat.

Branch details at a glance

Uma Shankar Joshi Marg, Ahmedabad branch overview

Located at GROUND FLOOR, SHOP NO 1, ABC III, FP 115, TP 20, UMA SHANKAR JOSHI MARG, SARDAR PATEL NAGAR, AHMEDABAD 380009, GUJARAT, the Uma Shankar Joshi Marg, Ahmedabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004749 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's UMA SHANKAR JOSHI MARG, AHMEDABAD branch came to be assigned the code UTIB0004749.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0004749, money simply cannot be routed to the UMA SHANKAR JOSHI MARG, AHMEDABAD branch electronically.

Account types you can open at the Uma Shankar Joshi Marg, Ahmedabad branch

Once you have an account at Axis Bank – UMA SHANKAR JOSHI MARG, AHMEDABAD, the IFSC UTIB0004749 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Uma Shankar Joshi Marg, Ahmedabad branch can access most of Axis Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC UTIB0004749

How to transfer money using IFSC UTIB0004749

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UTIB0004749 across all three.

How to use IFSC UTIB0004749 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's UMA SHANKAR JOSHI MARG, AHMEDABAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0004749.
4. Confirm the bank name auto-populates as Axis Bank and the branch as UMA SHANKAR JOSHI MARG, AHMEDABAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0004749

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – UMA SHANKAR JOSHI MARG, AHMEDABAD, ensure your bank's portal accepts IFSC UTIB0004749 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – UMA SHANKAR JOSHI MARG, AHMEDABAD, use IMPS. With IFSC UTIB0004749 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0004749 for Axis Bank – UMA SHANKAR JOSHI MARG, AHMEDABAD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Uma Shankar Joshi Marg, Ahmedabad branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Axis Bank's UMA SHANKAR JOSHI MARG, AHMEDABAD branch, the IFSC UTIB0004749 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC UTIB0004749

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the UMA SHANKAR JOSHI MARG, AHMEDABAD branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UTIB0004749 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the Uma Shankar Joshi Marg, Ahmedabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004749 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UTIB0004749

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Axis Bank – UMA SHANKAR JOSHI MARG, AHMEDABAD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: UTIB0004749.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Uma Shankar Joshi Marg, Ahmedabad branch

The branch is located at GROUND FLOOR, SHOP NO 1, ABC III, FP 115, TP 20, UMA SHANKAR JOSHI MARG, SARDAR PATEL NAGAR, AHMEDABAD 380009, GUJARAT, which puts it inside Ahmedaabad, the broader Ahmedabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Uma Shankar Joshi Marg, Ahmedabad branch” — the verified location pin for IFSC UTIB0004749 should appear at the top of the results.
2. Confirm the branch is open by calling 79-9825464321 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UTIB0004749 and your account number.

Verifying IFSC UTIB0004749 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UTIB0004749 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-9825464321.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Uma Shankar Joshi Marg, Ahmedabad are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UTIB0004749 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0004749 belongs to Axis Bank's UMA SHANKAR JOSHI MARG, AHMEDABAD branch, located at GROUND FLOOR, SHOP NO 1, ABC III, FP 115, TP 20, UMA SHANKAR JOSHI MARG,… in AHMEDAABAD, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.