IFSC Code of Axis Bank, Balrampur Branch, Chandigarh

If you are searching for the IFSC code of Axis Bank, BALRAMPUR branch in BALRAMPUR, CHANDIGARH, this page has every detail you need. The verified IFSC code for this branch is UTIB0004509. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BALRAMPUR branch, and detailed step-by-step guides for using the IFSC UTIB0004509 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – BALRAMPUR is UTIB0004509. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004509 map to this branch in BALRAMPUR, CHANDIGARH.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Balrampur branch — IFSC UTIB0004509 — extends the bank's services to customers in and around Balrampur, Chandigarh.

Branch details at a glance

About the Balrampur branch

The Balrampur branch of Axis Bank is situated at CHANDO ROAD, OP TO PNB, PO- BALRAMPUR, DIST-BALRAMPUR- RAMANUJGANJ, CHATTISHGARH, PIN-497119. 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 UTIB0004509 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 BALRAMPUR branch came to be assigned the code UTIB0004509.

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 UTIB0004509, money simply cannot be routed to the BALRAMPUR branch electronically.

Products and account variants supported

Every account opened at the Balrampur branch is mapped to IFSC UTIB0004509 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 UTIB0004509.

Banking services available

The Balrampur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7831-8871571923.

• 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 UTIB0004509

How to transfer money using IFSC UTIB0004509

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 UTIB0004509 across all three.

NEFT to Axis Bank, BALRAMPUR using IFSC UTIB0004509

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 UTIB0004509, and confirm that the system picks up Axis Bank – BALRAMPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BALRAMPUR

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BALRAMPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004509 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – BALRAMPUR, use IMPS. With IFSC UTIB0004509 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 UTIB0004509 for Axis Bank – BALRAMPUR, 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 Balrampur 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 BALRAMPUR branch, the IFSC UTIB0004509 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 UTIB0004509

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BALRAMPUR 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 UTIB0004509 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 UTIB0004509 and the account number together uniquely identify the Balrampur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – BALRAMPUR:

• The IFSC is exactly UTIB0004509 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 BALRAMPUR 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 Balrampur branch sits at CHANDO ROAD, OP TO PNB, PO- BALRAMPUR, DIST-BALRAMPUR- RAMANUJGANJ, CHATTISHGARH, PIN-497119. If you are travelling from outside Balrampur, search for the branch on a maps application using the bank name and locality, or call 7831-8871571923 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 UTIB0004509 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0004509 for Axis Bank – BALRAMPUR, 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Balrampur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004509, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0004509 belongs to Axis Bank's BALRAMPUR branch, located at CHANDO ROAD, OP TO PNB, PO- BALRAMPUR, DIST-BALRAMPUR- RAMANUJGANJ,… in BALRAMPUR, CHANDIGARH. 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.