Use this page as a one-stop reference for everything related to Axis Bank's CHHAPRA RAJKOT branch in CHHAPRA, GUJARAT. The branch's IFSC code UTIB0005529 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.
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 CHHAPRA RAJKOT branch, the IFSC UTIB0005529 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005529 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Chhapra Rajkot branch in Chhapra. 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, UTIB0005529.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Chhapra Rajkot |
| IFSC Code | UTIB0005529 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SHED NO 2 AND 3, PLOT NO (1 G 1 H) BY 3, R S NO 291 BY 2, CHHAPRA, TAL LODHIKA, DIST RAJKOT 360035, GUJARAT |
| City | Chhapra |
| District | Rajkot |
| State | Gujarat |
| STD Code | 281 |
| Phone | 8490085117 |
About the Chhapra Rajkot branch
The Chhapra Rajkot branch of Axis Bank is situated at GROUND FLOOR, SHED NO 2 AND 3, PLOT NO (1 G 1 H) BY 3, R S NO 291 BY 2, CHHAPRA, TAL LODHIKA, DIST RAJKOT 360035, GUJARAT. 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 UTIB0005529 is used.
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 CHHAPRA RAJKOT of Axis Bank — its own 11-character IFSC. The code UTIB0005529 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 UTIB0005529 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 Chhapra Rajkot branch is mapped to IFSC UTIB0005529 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 UTIB0005529.
Products and services
Customers walking into the Chhapra Rajkot 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 UTIB0005529
How to transfer money using IFSC UTIB0005529
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 UTIB0005529 across all three.
How to use IFSC UTIB0005529 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's CHHAPRA RAJKOT 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 UTIB0005529.
- Confirm the bank name auto-populates as Axis Bank and the branch as CHHAPRA RAJKOT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0005529
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 – CHHAPRA RAJKOT, ensure your bank's portal accepts IFSC UTIB0005529 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank CHHAPRA RAJKOT (IFSC UTIB0005529)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005529 in your mobile or internet banking app, and the money is credited to the CHHAPRA RAJKOT branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Chhapra Rajkot
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 UTIB0005529:
- 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 CHHAPRA RAJKOT is still linked to IFSC UTIB0005529.
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.
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 CHHAPRA RAJKOT branch, the IFSC UTIB0005529 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 UTIB0005529
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the CHHAPRA RAJKOT 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 UTIB0005529 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 UTIB0005529 and the account number together uniquely identify the Chhapra Rajkot 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 – CHHAPRA RAJKOT:
- The IFSC is exactly UTIB0005529 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 CHHAPRA RAJKOT 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.
How to reach the Chhapra Rajkot branch
The branch is located at GROUND FLOOR, SHED NO 2 AND 3, PLOT NO (1 G 1 H) BY 3, R S NO 291 BY 2, CHHAPRA, TAL LODHIKA, DIST RAJKOT 360035, GUJARAT, which puts it inside Chhapra, the broader Rajkot district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Chhapra Rajkot branch” — the verified location pin for IFSC UTIB0005529 should appear at the top of the results.
- Confirm the branch is open by calling 281-8490085117 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 UTIB0005529 and your account number.
Verifying IFSC UTIB0005529 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 UTIB0005529 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 281-8490085117.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Chhapra Rajkot 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 UTIB0005529 continue to work without interruption.
Branch address & contact
Axis BankChhapra Rajkot Branch
GROUND FLOOR, SHED NO 2 AND 3, PLOT NO (1 G 1 H) BY 3, R S NO 291 BY 2, CHHAPRA, TAL LODHIKA, DIST RAJKOT 360035, GUJARAT
Chhapra, Gujarat
Phone: 281-8490085117
IFSC: UTIB0005529
Frequently asked questions
Is IFSC UTIB0005529 valid for NEFT and RTGS?
Yes. IFSC UTIB0005529 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0005529 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Chhapra Rajkot reflect within 30 minutes.
Is IFSC UTIB0005529 the same for all accounts at Chhapra Rajkot branch?
Yes. The IFSC UTIB0005529 is shared by every account held at Axis Bank's Chhapra Rajkot branch. Only the account number changes from customer to customer.
How do I add Axis Bank Chhapra Rajkot as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005529, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Axis Bank Chhapra Rajkot branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 281-8490085117 to confirm.
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 Chhapra Rajkot branch but serve different purposes.
Where is Axis Bank Chhapra Rajkot branch located?
Axis Bank's Chhapra Rajkot branch is located at GROUND FLOOR, SHED NO 2 AND 3, PLOT NO (1 G 1 H) BY 3, R S NO 291 BY 2, CHHAPRA, TAL LODHIKA, DIST RAJKOT 360035, GUJARAT, Chhapra, Gujarat.
Can I use IFSC UTIB0005529 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005529 to send funds instantly.
Final notes
To recap: UTIB0005529 is the IFSC code of Axis Bank, CHHAPRA RAJKOT branch, in CHHAPRA, GUJARAT. 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.
