IFSC Code of Axis Bank, Gandhiganj Chhindwara Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to Axis Bank's GANDHIGANJ CHHINDWARA branch in CHHINDWARA, MADHYA PRADESH. The branch's IFSC code UTIB0004996 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, UTIB0004996 is the IFSC of Axis Bank's GANDHIGANJ CHHINDWARA branch. The format is fixed: UTIB = bank code, 0 = reserved, 004996 = branch identifier.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Gandhiganj Chhindwara branch in Chhindwara. 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, UTIB0004996.

Branch details at a glance

About the Gandhiganj Chhindwara branch

The Gandhiganj Chhindwara branch of Axis Bank is situated at UPPER GROUND FLOOR, SEONI PRANMOTI ROAD, GANDHI GANJ, PO CHITANVISGANJ, PS KUNDIPURA. 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 UTIB0004996 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 GANDHIGANJ CHHINDWARA branch came to be assigned the code UTIB0004996.

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 UTIB0004996, money simply cannot be routed to the GANDHIGANJ CHHINDWARA branch electronically.

Account types you can open at the Gandhiganj Chhindwara branch

Once you have an account at Axis Bank – GANDHIGANJ CHHINDWARA, the IFSC UTIB0004996 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.

Products and services

Customers walking into the Gandhiganj Chhindwara 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 UTIB0004996

How to transfer money using IFSC UTIB0004996

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 UTIB0004996 across all three.

NEFT to Axis Bank, GANDHIGANJ CHHINDWARA using IFSC UTIB0004996

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 UTIB0004996, and confirm that the system picks up Axis Bank – GANDHIGANJ CHHINDWARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GANDHIGANJ CHHINDWARA

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GANDHIGANJ CHHINDWARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004996 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 – GANDHIGANJ CHHINDWARA, use IMPS. With IFSC UTIB0004996 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 UTIB0004996 for Axis Bank – GANDHIGANJ CHHINDWARA, 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 Gandhiganj Chhindwara 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 GANDHIGANJ CHHINDWARA branch, the IFSC UTIB0004996 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.

Digital banking channels

Most day-to-day work that customers used to do at the Gandhiganj Chhindwara 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 UTIB0004996 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.

MICR & cheque-truncation details

Cheques drawn on the Gandhiganj Chhindwara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004996 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – GANDHIGANJ CHHINDWARA:

• The IFSC is exactly UTIB0004996 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 GANDHIGANJ CHHINDWARA 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 Gandhiganj Chhindwara branch

The branch is located at UPPER GROUND FLOOR, SEONI PRANMOTI ROAD, GANDHI GANJ, PO CHITANVISGANJ, PS KUNDIPURA, which puts it inside Chhindwara, the broader Chhindwara district, and the state of Madhya Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Gandhiganj Chhindwara branch” — the verified location pin for IFSC UTIB0004996 should appear at the top of the results.
2. Confirm the branch is open by calling 7612-9302330251 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 UTIB0004996 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0004996 for Axis Bank – GANDHIGANJ CHHINDWARA, 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 Gandhiganj Chhindwara 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 UTIB0004996 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0004996 belongs to Axis Bank's GANDHIGANJ CHHINDWARA branch, located at UPPER GROUND FLOOR, SEONI PRANMOTI ROAD, GANDHI GANJ, PO CHITANVISGANJ, PS… in CHHINDWARA, MADHYA PRADESH. 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.