IFSC Code of Axis Bank, Bikhiwind Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, BIKHIWIND branch in BHIKIWIND. The 11-digit IFSC UTIB0001475 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 BIKHIWIND 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.

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, UTIB0001475 is the IFSC of Axis Bank's BIKHIWIND branch. The format is fixed: UTIB = bank code, 0 = reserved, 001475 = branch identifier.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Bikhiwind branch in Bhikiwind. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0001475.

About this branch

The branch is located at GORUND FLOOR, AMRITSAR KHEMKARAN ROAD BIKHIWIND,TEHSIL.PATTI, DIST. TARN TARAN,PUNJAB , PIN 143303. It serves the Bhikiwind 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 UTIB0001475 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BIKHIWIND of Axis Bank — its own 11-character IFSC. The code UTIB0001475 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 UTIB0001475 the same way you would treat your account number — verify it once and save it carefully for future use.

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 UTIB0001475 and the account number together uniquely identify the Bikhiwind branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC UTIB0001475

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 UTIB0001475 across all three.

How to use IFSC UTIB0001475 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's BIKHIWIND 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 UTIB0001475.
4. Confirm the bank name auto-populates as Axis Bank and the branch as BIKHIWIND.
5. 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 BIKHIWIND

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's BIKHIWIND branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0001475 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 – BIKHIWIND, use IMPS. With IFSC UTIB0001475 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bikhiwind

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 UTIB0001475:

• 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 BIKHIWIND is still linked to IFSC UTIB0001475.

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 UTIB0001475

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 – BIKHIWIND is still mapped to IFSC UTIB0001475. 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 UTIB0001475 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bikhiwind branch is mapped to IFSC UTIB0001475 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 UTIB0001475.

Products and services

Customers walking into the Bikhiwind 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 UTIB0001475

Online banking and IFSC UTIB0001475

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the BIKHIWIND 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 UTIB0001475 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.

How to reach the Bikhiwind branch

The branch is located at GORUND FLOOR, AMRITSAR KHEMKARAN ROAD BIKHIWIND,TEHSIL.PATTI, DIST. TARN TARAN,PUNJAB , PIN 143303, which puts it inside Bhikiwind, the broader Amritsar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Bikhiwind branch” — the verified location pin for IFSC UTIB0001475 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 UTIB0001475 and your account number.

Common mistakes to avoid when using IFSC UTIB0001475

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 – BIKHIWIND, 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: UTIB0001475.
• 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.

Working hours

Branch counters at Bikhiwind 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 UTIB0001475 continue to work without interruption.

Verifying IFSC UTIB0001475 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 UTIB0001475 by:

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

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0001475 belongs to Axis Bank's BIKHIWIND branch, located at GORUND FLOOR, AMRITSAR KHEMKARAN ROAD BIKHIWIND,TEHSIL.PATTI, DIST. TARN… in BHIKIWIND, PUNJAB. 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.