If you are searching for the IFSC code of Axis Bank, GHANGA KHURD branch in FAZILKA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UTIB0002466. 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 GHANGA KHURD branch, and detailed step-by-step guides for using the IFSC UTIB0002466 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 – GHANGA KHURD is UTIB0002466. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002466 map to this branch in FAZILKA, PUNJAB.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ghanga Khurd branch in Fazilka, Punjab is part of this network and uses the IFSC code UTIB0002466 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Ghanga Khurd |
| IFSC Code | UTIB0002466 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, KHEWAT NO. 63, KHATAUNI NO. 189, RECT NO. 25, KILLA NO. 20/1/1(1-14), HADBAST NO. 124, VILLAGE - GHANGA KHURD, TEHSIL JALALABAD, DISTRICT FAZILKA, PUNJAB, PIN 152022 |
| City | Fazilka |
| District | Ferozpur |
| State | Punjab |
About this branch
The branch is located at GROUND FLOOR, KHEWAT NO. 63, KHATAUNI NO. 189, RECT NO. 25, KILLA NO. 20/1/1(1-14), HADBAST NO. 124, VILLAGE - GHANGA KHURD, TEHSIL JALALABAD, DISTRICT FAZILKA, PUNJAB, PIN 152022. It serves the Fazilka 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 UTIB0002466 is used to identify this branch on the RBI payments network.
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 GHANGA KHURD of Axis Bank — its own 11-character IFSC. The code UTIB0002466 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 UTIB0002466 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 Ghanga Khurd branch is mapped to IFSC UTIB0002466 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 UTIB0002466.
Products and services
Customers walking into the Ghanga Khurd 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 UTIB0002466
How to transfer money using IFSC UTIB0002466
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 UTIB0002466 across all three.
NEFT to Axis Bank, GHANGA KHURD using IFSC UTIB0002466
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 UTIB0002466, and confirm that the system picks up Axis Bank – GHANGA KHURD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GHANGA KHURD
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GHANGA KHURD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002466 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank GHANGA KHURD (IFSC UTIB0002466)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0002466 in your mobile or internet banking app, and the money is credited to the GHANGA KHURD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ghanga Khurd
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 UTIB0002466:
- 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 GHANGA KHURD is still linked to IFSC UTIB0002466.
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 GHANGA KHURD branch, the IFSC UTIB0002466 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 Ghanga Khurd 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 UTIB0002466 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 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 UTIB0002466 and the account number together uniquely identify the Ghanga Khurd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC UTIB0002466
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 – GHANGA KHURD, 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:
UTIB0002466. - 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.
Reaching the branch
The Ghanga Khurd branch sits at GROUND FLOOR, KHEWAT NO. 63, KHATAUNI NO. 189, RECT NO. 25, KILLA NO. 20/1/1(1-14), HADBAST NO. 124, VILLAGE - GHANGA KHURD, TEHSIL JALALABAD, DISTRICT FAZILKA, PUNJAB, PIN 152022. If you are travelling from outside Fazilka, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTIB0002466 and your account number.
Verifying IFSC UTIB0002466 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 UTIB0002466 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 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 Ghanga Khurd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002466, however, work 24x7.
Branch address & contact
Axis BankGhanga Khurd Branch
GROUND FLOOR, KHEWAT NO. 63, KHATAUNI NO. 189, RECT NO. 25, KILLA NO. 20/1/1(1-14), HADBAST NO. 124, VILLAGE - GHANGA KHURD, TEHSIL JALALABAD, DISTRICT FAZILKA, PUNJAB, PIN 152022
Fazilka, Punjab
Phone: the branch contact number
IFSC: UTIB0002466
Frequently asked questions
What is the phone number of Axis Bank Ghanga Khurd branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using UTIB0002466 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Ghanga Khurd reflect within 30 minutes.
How do I add Axis Bank Ghanga Khurd as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002466, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Ghanga Khurd branch located?
Axis Bank's Ghanga Khurd branch is located at GROUND FLOOR, KHEWAT NO. 63, KHATAUNI NO. 189, RECT NO. 25, KILLA NO. 20/1/1(1-14), HADBAST NO. 124, VILLAGE - GHANGA KHURD, TEHSIL JALALABAD, DISTRICT FAZILKA, PUNJAB, PIN 152022, Fazilka, Punjab.
Does Axis Bank Ghanga Khurd branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Can I use IFSC UTIB0002466 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002466 to send funds instantly.
Is IFSC UTIB0002466 the same for all accounts at Ghanga Khurd branch?
Yes. The IFSC UTIB0002466 is shared by every account held at Axis Bank's Ghanga Khurd branch. Only the account number changes from customer to customer.
Final notes
To recap: UTIB0002466 is the IFSC code of Axis Bank, GHANGA KHURD branch, in FAZILKA, 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.
