IFSC Code of Axis Bank, Garhshankar, Punjab Branch, Punjab

Below are the complete branch details for Axis Bank, GARHSHANKAR, PUNJAB branch, located in GARHSHANKAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0000610. 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 UTIB0000610 for Axis Bank – GARHSHANKAR, PUNJAB — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – GARHSHANKAR, PUNJAB is UTIB0000610. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000610 map to this branch in GARHSHANKAR, PUNJAB.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Garhshankar, Punjab branch in Garhshankar. 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, UTIB0000610.

Garhshankar, Punjab branch overview

Located at GROUND FLOOR, KHASRA NO. 368-3-1, 369-1 GARHSHANKAR-CHANDIGARH ROAD, NEAR LIC OFFICE, GARHSHANKAR 144 527, DIST. HOSHIARPUR, PUNJAB, the Garhshankar, Punjab branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0000610 is required for all interbank electronic transfers routed through this branch.

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 GARHSHANKAR, PUNJAB branch came to be assigned the code UTIB0000610.

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 UTIB0000610, money simply cannot be routed to the GARHSHANKAR, PUNJAB branch electronically.

How to transfer money using IFSC UTIB0000610

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 UTIB0000610 across all three.

NEFT to Axis Bank, GARHSHANKAR, PUNJAB using IFSC UTIB0000610

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 UTIB0000610, and confirm that the system picks up Axis Bank – GARHSHANKAR, PUNJAB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GARHSHANKAR, PUNJAB

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GARHSHANKAR, PUNJAB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0000610 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 – GARHSHANKAR, PUNJAB, use IMPS. With IFSC UTIB0000610 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 UTIB0000610 for Axis Bank – GARHSHANKAR, PUNJAB, 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 Garhshankar, Punjab 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.

UPI payments and IFSC UTIB0000610

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 – GARHSHANKAR, PUNJAB is still mapped to IFSC UTIB0000610. 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 UTIB0000610 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Garhshankar, Punjab branch is mapped to IFSC UTIB0000610 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 UTIB0000610.

Banking services available

The Garhshankar, Punjab branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 UTIB0000610

MICR & cheque-truncation details

Cheques drawn on the Garhshankar, Punjab branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0000610 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Garhshankar, Punjab 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 UTIB0000610 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.

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 – GARHSHANKAR, PUNJAB:

• The IFSC is exactly UTIB0000610 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 GARHSHANKAR, PUNJAB 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 Garhshankar, Punjab branch

The branch is located at GROUND FLOOR, KHASRA NO. 368-3-1, 369-1 GARHSHANKAR-CHANDIGARH ROAD, NEAR LIC OFFICE, GARHSHANKAR 144 527, DIST. HOSHIARPUR, PUNJAB, which puts it inside Garhshankar, the broader Hosiarpur district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Garhshankar, Punjab branch” — the verified location pin for IFSC UTIB0000610 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 UTIB0000610 and your account number.

Verifying IFSC UTIB0000610 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 UTIB0000610 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• 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 Garhshankar, Punjab branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0000610, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0000610 belongs to Axis Bank's GARHSHANKAR, PUNJAB branch, located at GROUND FLOOR, KHASRA NO. 368-3-1, 369-1 GARHSHANKAR-CHANDIGARH ROAD, NEAR LIC… in GARHSHANKAR, PUNJAB. 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.