This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, BHADAJ CIRCLE branch in AHMEDABAD. The 11-digit IFSC UTIB0005009 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the BHADAJ CIRCLE location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Axis Bank's BHADAJ CIRCLE branch, the IFSC UTIB0005009 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005009 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhadaj Circle branch — IFSC UTIB0005009 — extends the bank's services to customers in and around Ahmedabad, Gujarat.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bhadaj Circle |
| IFSC Code | UTIB0005009 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SHOP NO 1, SURYANSH GATEWAY, S P NO 2C OF F P NO 22P, T P S NO 40 SOLA BHADAJ HEBATPUR, SCIENCE CITY ROAD, MOJE SOLA, TALUKA GHATLODIYA, BHADAJ CIRCLE |
| City | Ahmedabad |
| District | Ahmedabad |
| State | Gujarat |
| STD Code | 79 |
| Phone | 9924998142 |
About this branch
The branch is located at GROUND FLOOR, SHOP NO 1, SURYANSH GATEWAY, S P NO 2C OF F P NO 22P, T P S NO 40 SOLA BHADAJ HEBATPUR, SCIENCE CITY ROAD, MOJE SOLA, TALUKA GHATLODIYA, BHADAJ CIRCLE. It serves the Ahmedabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0005009 is used to identify this branch on the RBI payments network.
Why every Axis Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BHADAJ CIRCLE of Axis Bank — its own 11-character IFSC. The code UTIB0005009 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UTIB0005009 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Bhadaj Circle branch is mapped to IFSC UTIB0005009 on the RBI payments network. The branch generally supports the full retail product catalogue of Axis Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UTIB0005009.
Banking services available
The Bhadaj Circle branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-9924998142.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0005009
How to transfer money using IFSC UTIB0005009
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 UTIB0005009 across all three.
How to use IFSC UTIB0005009 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's BHADAJ CIRCLE 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0005009.
- Confirm the bank name auto-populates as Axis Bank and the branch as BHADAJ CIRCLE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to BHADAJ CIRCLE
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BHADAJ CIRCLE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005009 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank BHADAJ CIRCLE (IFSC UTIB0005009)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005009 in your mobile or internet banking app, and the money is credited to the BHADAJ CIRCLE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005009 for Axis Bank – BHADAJ CIRCLE, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0005009 | Yes – UTIB0005009 | Yes – UTIB0005009 |
For most retail customers crediting the Bhadaj Circle 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 BHADAJ CIRCLE branch, the IFSC UTIB0005009 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 UTIB0005009
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BHADAJ CIRCLE 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 UTIB0005009 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 code & cheque clearing
Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0005009 and the account number together uniquely identify the Bhadaj Circle branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UTIB0005009
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 – BHADAJ CIRCLE, 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:
UTIB0005009. - 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.
Reaching the branch
The Bhadaj Circle branch sits at GROUND FLOOR, SHOP NO 1, SURYANSH GATEWAY, S P NO 2C OF F P NO 22P, T P S NO 40 SOLA BHADAJ HEBATPUR, SCIENCE CITY ROAD, MOJE SOLA, TALUKA GHATLODIYA, BHADAJ CIRCLE. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-9924998142 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0005009 and your account number.
Verifying IFSC UTIB0005009 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 UTIB0005009 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 79-9924998142.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Bhadaj Circle 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 UTIB0005009 continue to work without interruption.
Branch address & contact
Axis BankBhadaj Circle Branch
GROUND FLOOR, SHOP NO 1, SURYANSH GATEWAY, S P NO 2C OF F P NO 22P, T P S NO 40 SOLA BHADAJ HEBATPUR, SCIENCE CITY ROAD, MOJE SOLA, TALUKA GHATLODIYA, BHADAJ CIRCLE
Ahmedabad, Gujarat
Phone: 79-9924998142
IFSC: UTIB0005009
Frequently asked questions
How do I add Axis Bank Bhadaj Circle as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005009, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0005009 valid for NEFT and RTGS?
Yes. IFSC UTIB0005009 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Axis Bank Bhadaj Circle branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 79-9924998142 to confirm.
Where is Axis Bank Bhadaj Circle branch located?
Axis Bank's Bhadaj Circle branch is located at GROUND FLOOR, SHOP NO 1, SURYANSH GATEWAY, S P NO 2C OF F P NO 22P, T P S NO 40 SOLA BHADAJ HEBATPUR, SCIENCE CITY ROAD, MOJE SOLA, TALUKA GHATLODIYA, BHADAJ CIRCLE, Ahmedabad, Gujarat.
What is the IFSC code of Axis Bank Bhadaj Circle branch?
The IFSC code of Axis Bank, Bhadaj Circle branch is UTIB0005009. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bhadaj Circle branch but serve different purposes.
Can I use IFSC UTIB0005009 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005009 to send funds instantly.
Is IFSC UTIB0005009 the same for all accounts at Bhadaj Circle branch?
Yes. The IFSC UTIB0005009 is shared by every account held at Axis Bank's Bhadaj Circle branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0005009 belongs to Axis Bank's BHADAJ CIRCLE branch, located at GROUND FLOOR, SHOP NO 1, SURYANSH GATEWAY, S P NO 2C OF F P NO 22P, T P S NO… in AHMEDABAD, 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.
