IFSC Code of Axis Bank, Manda Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Axis Bank's MANDA branch in AKHNOOR, JAMMU AND KASHMIR. The branch's IFSC code UTIB0002434 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, UTIB0002434 is the IFSC of Axis Bank's MANDA branch. The format is fixed: UTIB = bank code, 0 = reserved, 002434 = branch identifier.

Branch details at a glance

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Manda branch — IFSC UTIB0002434 — extends the bank's services to customers in and around Akhnoor, Jammu and Kashmir.

About the Manda branch

The Manda branch of Axis Bank is situated at KHATA NO.744,KHEWAT NO.154,VILLAGE MANDA,TEHSIL AKHNOOR,DISTRICT JAMMU 181201,JAMMU AND KASHMIR. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0002434 is used.

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 MANDA branch came to be assigned the code UTIB0002434.

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 UTIB0002434, money simply cannot be routed to the MANDA branch electronically.

How to transfer money using IFSC UTIB0002434

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 UTIB0002434 across all three.

NEFT to Axis Bank, MANDA using IFSC UTIB0002434

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0002434, and confirm that the system picks up Axis Bank – MANDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0002434

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 – MANDA, ensure your bank's portal accepts IFSC UTIB0002434 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank MANDA (IFSC UTIB0002434)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0002434 in your mobile or internet banking app, and the money is credited to the MANDA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Manda

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0002434:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at MANDA is still linked to IFSC UTIB0002434.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC UTIB0002434

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Axis Bank – MANDA is still mapped to IFSC UTIB0002434. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UTIB0002434 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Manda branch is mapped to IFSC UTIB0002434 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 UTIB0002434.

Banking services available

The Manda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1924-9797596652.

• 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 UTIB0002434

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 UTIB0002434 and the account number together uniquely identify the Manda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UTIB0002434

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the MANDA 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 UTIB0002434 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Axis Bank – MANDA:

• The IFSC is exactly UTIB0002434 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Axis Bank as the bank name and MANDA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Manda branch sits at KHATA NO.744,KHEWAT NO.154,VILLAGE MANDA,TEHSIL AKHNOOR,DISTRICT JAMMU 181201,JAMMU AND KASHMIR. If you are travelling from outside Akhnoor, search for the branch on a maps application using the bank name and locality, or call 1924-9797596652 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 UTIB0002434 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0002434 for Axis Bank – MANDA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Manda 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 UTIB0002434 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0002434 belongs to Axis Bank's MANDA branch, located at KHATA NO.744,KHEWAT NO.154,VILLAGE MANDA,TEHSIL AKHNOOR,DISTRICT JAMMU… in AKHNOOR, JAMMU AND KASHMIR. 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.