If you are searching for the IFSC code of Axis Bank, BHAWANIGARH branch in BHAWANIGARH, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UTIB0003505. 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 BHAWANIGARH branch, and detailed step-by-step guides for using the IFSC UTIB0003505 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.
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, UTIB0003505 is the IFSC of Axis Bank's BHAWANIGARH branch. The format is fixed: UTIB = bank code, 0 = reserved, 003505 = branch identifier.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhawanigarh branch — IFSC UTIB0003505 — extends the bank's services to customers in and around Bhawanigarh, Punjab.
About the Bhawanigarh branch
The Bhawanigarh branch of Axis Bank is situated at GR FLR PART OF KHATA NO 64 90 KHASRA NOS 101 12 2 5 10. 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 UTIB0003505 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Bhawanigarh |
| IFSC Code | UTIB0003505 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR PART OF KHATA NO 64 90 KHASRA NOS 101 12 2 5 10 |
| City | Bhawanigarh |
| District | Sangrur |
| State | Punjab |
| STD Code | 91 |
| Phone | 9780192500 |
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 BHAWANIGARH branch came to be assigned the code UTIB0003505.
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 UTIB0003505, money simply cannot be routed to the BHAWANIGARH branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Bhawanigarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003505 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0003505
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 UTIB0003505 across all three.
How to use IFSC UTIB0003505 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's BHAWANIGARH 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 UTIB0003505.
- Confirm the bank name auto-populates as Axis Bank and the branch as BHAWANIGARH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0003505
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 – BHAWANIGARH, ensure your bank's portal accepts IFSC UTIB0003505 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – BHAWANIGARH, use IMPS. With IFSC UTIB0003505 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 UTIB0003505 for Axis Bank – BHAWANIGARH, 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 – UTIB0003505 | Yes – UTIB0003505 | Yes – UTIB0003505 |
For most retail customers crediting the Bhawanigarh 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.
UPI payments and IFSC UTIB0003505
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 – BHAWANIGARH is still mapped to IFSC UTIB0003505. 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 UTIB0003505 and the beneficiary's account number to complete the transfer.
Account types you can open at the Bhawanigarh branch
Once you have an account at Axis Bank – BHAWANIGARH, the IFSC UTIB0003505 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.
Banking services available
The Bhawanigarh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9780192500.
- 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 UTIB0003505
Digital banking channels
Most day-to-day work that customers used to do at the Bhawanigarh branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0003505 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
How to reach the Bhawanigarh branch
The branch is located at GR FLR PART OF KHATA NO 64 90 KHASRA NOS 101 12 2 5 10, which puts it inside Bhawanigarh, the broader Sangrur district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Bhawanigarh branch” — the verified location pin for IFSC UTIB0003505 should appear at the top of the results.
- Confirm the branch is open by calling 91-9780192500 before stepping out, especially around public holidays.
- 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 UTIB0003505 and your account number.
Common mistakes to avoid when using IFSC UTIB0003505
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 – BHAWANIGARH, 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:
UTIB0003505. - 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.
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 Bhawanigarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003505, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0003505 for Axis Bank – BHAWANIGARH, 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 address & contact
Axis BankBhawanigarh Branch
GR FLR PART OF KHATA NO 64 90 KHASRA NOS 101 12 2 5 10
Bhawanigarh, Punjab
Phone: 91-9780192500
IFSC: UTIB0003505
Frequently asked questions
Is IFSC UTIB0003505 the same for all accounts at Bhawanigarh branch?
Yes. The IFSC UTIB0003505 is shared by every account held at Axis Bank's Bhawanigarh branch. Only the account number changes from customer to customer.
Where is Axis Bank Bhawanigarh branch located?
Axis Bank's Bhawanigarh branch is located at GR FLR PART OF KHATA NO 64 90 KHASRA NOS 101 12 2 5 10, Bhawanigarh, Punjab.
How do I add Axis Bank Bhawanigarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003505, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Axis Bank Bhawanigarh branch?
The IFSC code of Axis Bank, Bhawanigarh branch is UTIB0003505. 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 Bhawanigarh branch but serve different purposes.
Can I use IFSC UTIB0003505 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003505 to send funds instantly.
Final notes
To recap: UTIB0003505 is the IFSC code of Axis Bank, BHAWANIGARH branch, in BHAWANIGARH, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
