Below are the complete branch details for Axis Bank, TRAGAD branch, located in GANDHINAGAR, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0005478. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0005478 for Axis Bank – TRAGAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UTIB0005478 is the IFSC of Axis Bank's TRAGAD branch. The format is fixed: UTIB = bank code, 0 = reserved, 005478 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Tragad |
| IFSC Code | UTIB0005478 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SHOP NO 1 AND PART OF SHOP 2 AND 20, SHREE SARJU ARENA, RS NO 285 OR 1, FP NO 46 OR 1, MOUJE ZUNDAL, TPS NO 74 CHANDKHEDA ZUNDAL |
| City | Gandhinagar |
| District | Gandhinagar |
| State | Gujarat |
| STD Code | 79 |
| Phone | 9099945091 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Tragad branch in Gandhinagar, Gujarat is part of this network and uses the IFSC code UTIB0005478 for all electronic settlement.
Tragad branch overview
Located at GROUND FLOOR, SHOP NO 1 AND PART OF SHOP 2 AND 20, SHREE SARJU ARENA, RS NO 285 OR 1, FP NO 46 OR 1, MOUJE ZUNDAL, TPS NO 74 CHANDKHEDA ZUNDAL, the Tragad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0005478 is required for all interbank electronic transfers routed through this branch.
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 TRAGAD of Axis Bank — its own 11-character IFSC. The code UTIB0005478 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 UTIB0005478 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UTIB0005478
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 UTIB0005478 across all three.
NEFT to Axis Bank, TRAGAD using IFSC UTIB0005478
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 UTIB0005478, and confirm that the system picks up Axis Bank – TRAGAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0005478
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 – TRAGAD, ensure your bank's portal accepts IFSC UTIB0005478 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank TRAGAD (IFSC UTIB0005478)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005478 in your mobile or internet banking app, and the money is credited to the TRAGAD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Tragad
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 UTIB0005478:
- 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 TRAGAD is still linked to IFSC UTIB0005478.
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 UTIB0005478
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 – TRAGAD is still mapped to IFSC UTIB0005478. 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 UTIB0005478 and the beneficiary's account number to complete the transfer.
Account types you can open at the Tragad branch
Once you have an account at Axis Bank – TRAGAD, the IFSC UTIB0005478 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.
Banking services available
The Tragad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-9099945091.
- 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 UTIB0005478
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 UTIB0005478 and the account number together uniquely identify the Tragad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Tragad 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 UTIB0005478 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.
Common mistakes to avoid when using IFSC UTIB0005478
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 – TRAGAD, 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:
UTIB0005478. - 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 Tragad branch sits at GROUND FLOOR, SHOP NO 1 AND PART OF SHOP 2 AND 20, SHREE SARJU ARENA, RS NO 285 OR 1, FP NO 46 OR 1, MOUJE ZUNDAL, TPS NO 74 CHANDKHEDA ZUNDAL. If you are travelling from outside Gandhinagar, search for the branch on a maps application using the bank name and locality, or call 79-9099945091 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 UTIB0005478 and your account number.
Verifying IFSC UTIB0005478 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 UTIB0005478 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 79-9099945091.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Tragad 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 UTIB0005478 continue to work without interruption.
Branch address & contact
Axis BankTragad Branch
GROUND FLOOR, SHOP NO 1 AND PART OF SHOP 2 AND 20, SHREE SARJU ARENA, RS NO 285 OR 1, FP NO 46 OR 1, MOUJE ZUNDAL, TPS NO 74 CHANDKHEDA ZUNDAL
Gandhinagar, Gujarat
Phone: 79-9099945091
IFSC: UTIB0005478
Frequently asked questions
Is IFSC UTIB0005478 valid for NEFT and RTGS?
Yes. IFSC UTIB0005478 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Tragad branch located?
Axis Bank's Tragad branch is located at GROUND FLOOR, SHOP NO 1 AND PART OF SHOP 2 AND 20, SHREE SARJU ARENA, RS NO 285 OR 1, FP NO 46 OR 1, MOUJE ZUNDAL, TPS NO 74 CHANDKHEDA ZUNDAL, Gandhinagar, Gujarat.
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 Tragad branch but serve different purposes.
Is IFSC UTIB0005478 the same for all accounts at Tragad branch?
Yes. The IFSC UTIB0005478 is shared by every account held at Axis Bank's Tragad branch. Only the account number changes from customer to customer.
What is the phone number of Axis Bank Tragad branch?
You can reach the branch at 79-9099945091 during regular banking hours.
How do I add Axis Bank Tragad as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005478, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UTIB0005478 belongs to Axis Bank's TRAGAD branch, located at GROUND FLOOR, SHOP NO 1 AND PART OF SHOP 2 AND 20, SHREE SARJU ARENA, RS NO… in GANDHINAGAR, GUJARAT. 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.
