Use this page as a one-stop reference for everything related to Axis Bank's GANDERBAL branch in GANDERBAL, JAMMU AND KASHMIR. The branch's IFSC code UTIB0004979 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 GANDERBAL branch, the IFSC UTIB0004979 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004979 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Ganderbal branch in Ganderbal. 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, UTIB0004979.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Ganderbal |
| IFSC Code | UTIB0004979 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR AND FIRST FLOOR, CENTRAL MARKET BEEHAMA OR DUDERHAMA, TEHSIL AND DISTT GANDERBAL |
| City | Ganderbal |
| District | Ganderbal |
| State | Jammu and Kashmir |
| STD Code | 194 |
| Phone | 9622458205 |
About the Ganderbal branch
The Ganderbal branch of Axis Bank is situated at GROUND FLOOR AND FIRST FLOOR, CENTRAL MARKET BEEHAMA OR DUDERHAMA, TEHSIL AND DISTT GANDERBAL. 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 UTIB0004979 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 GANDERBAL of Axis Bank — its own 11-character IFSC. The code UTIB0004979 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 UTIB0004979 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 Ganderbal branch is mapped to IFSC UTIB0004979 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 UTIB0004979.
Banking services available
The Ganderbal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 194-9622458205.
- 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 UTIB0004979
How to transfer money using IFSC UTIB0004979
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 UTIB0004979 across all three.
How to use IFSC UTIB0004979 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's GANDERBAL 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 UTIB0004979.
- Confirm the bank name auto-populates as Axis Bank and the branch as GANDERBAL.
- 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 GANDERBAL
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GANDERBAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004979 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank GANDERBAL (IFSC UTIB0004979)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004979 in your mobile or internet banking app, and the money is credited to the GANDERBAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004979 for Axis Bank – GANDERBAL, 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 – UTIB0004979 | Yes – UTIB0004979 | Yes – UTIB0004979 |
For most retail customers crediting the Ganderbal 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 GANDERBAL branch, the IFSC UTIB0004979 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 Ganderbal 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 UTIB0004979 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 Ganderbal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004979 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0004979
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 – GANDERBAL, 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:
UTIB0004979. - 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 Ganderbal branch sits at GROUND FLOOR AND FIRST FLOOR, CENTRAL MARKET BEEHAMA OR DUDERHAMA, TEHSIL AND DISTT GANDERBAL. If you are travelling from outside Ganderbal, search for the branch on a maps application using the bank name and locality, or call 194-9622458205 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 UTIB0004979 and your account number.
Verifying IFSC UTIB0004979 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 UTIB0004979 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 194-9622458205.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ganderbal 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 UTIB0004979 continue to work without interruption.
Branch address & contact
Axis BankGanderbal Branch
GROUND FLOOR AND FIRST FLOOR, CENTRAL MARKET BEEHAMA OR DUDERHAMA, TEHSIL AND DISTT GANDERBAL
Ganderbal, Jammu and Kashmir
Phone: 194-9622458205
IFSC: UTIB0004979
Frequently asked questions
Is IFSC UTIB0004979 valid for NEFT and RTGS?
Yes. IFSC UTIB0004979 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Ganderbal branch located?
Axis Bank's Ganderbal branch is located at GROUND FLOOR AND FIRST FLOOR, CENTRAL MARKET BEEHAMA OR DUDERHAMA, TEHSIL AND DISTT GANDERBAL, Ganderbal, Jammu and Kashmir.
Does Axis Bank Ganderbal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 194-9622458205 to confirm.
What is the IFSC code of Axis Bank Ganderbal branch?
The IFSC code of Axis Bank, Ganderbal branch is UTIB0004979. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Axis Bank Ganderbal branch?
You can reach the branch at 194-9622458205 during regular banking hours.
Can I use IFSC UTIB0004979 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004979 to send funds instantly.
Final notes
To recap: UTIB0004979 is the IFSC code of Axis Bank, GANDERBAL branch, in GANDERBAL, JAMMU AND KASHMIR. 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.
