If you are searching for the IFSC code of Axis Bank, RAJ NAGAR EXTENSION branch in GHAZIABAD, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0004428. 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 RAJ NAGAR EXTENSION branch, and detailed step-by-step guides for using the IFSC UTIB0004428 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.
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 RAJ NAGAR EXTENSION branch, the IFSC UTIB0004428 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004428 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Raj Nagar Extension branch in Ghaziabad. 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, UTIB0004428.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Raj Nagar Extension |
| IFSC Code | UTIB0004428 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FF,F 120, 121, 122 & 123, KHASRA NO. 1108, VVIP STYLE, RAJ NAGAR EXTN DIST GHAZIABAD, NH 58, 201017 |
| City | Ghaziabad |
| District | Ghaziabad |
| State | Uttar Pradesh |
| Phone | 9999999999 |
Raj Nagar Extension branch overview
Located at FF,F 120, 121, 122 & 123, KHASRA NO. 1108, VVIP STYLE, RAJ NAGAR EXTN DIST GHAZIABAD, NH 58, 201017, the Raj Nagar Extension branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004428 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 RAJ NAGAR EXTENSION of Axis Bank — its own 11-character IFSC. The code UTIB0004428 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 UTIB0004428 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Raj Nagar Extension branch
Once you have an account at Axis Bank – RAJ NAGAR EXTENSION, the IFSC UTIB0004428 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 Raj Nagar Extension 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 UTIB0004428
How to transfer money using IFSC UTIB0004428
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 UTIB0004428 across all three.
How to use IFSC UTIB0004428 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's RAJ NAGAR EXTENSION 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 UTIB0004428.
- Confirm the bank name auto-populates as Axis Bank and the branch as RAJ NAGAR EXTENSION.
- 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 RAJ NAGAR EXTENSION
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's RAJ NAGAR EXTENSION branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004428 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank RAJ NAGAR EXTENSION (IFSC UTIB0004428)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004428 in your mobile or internet banking app, and the money is credited to the RAJ NAGAR EXTENSION branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Raj Nagar Extension
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 UTIB0004428:
- 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 RAJ NAGAR EXTENSION is still linked to IFSC UTIB0004428.
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 UTIB0004428
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 – RAJ NAGAR EXTENSION is still mapped to IFSC UTIB0004428. 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 UTIB0004428 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Raj Nagar Extension 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 UTIB0004428 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 UTIB0004428 and the account number together uniquely identify the Raj Nagar Extension 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 UTIB0004428
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 – RAJ NAGAR EXTENSION, 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:
UTIB0004428. - 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.
How to reach the Raj Nagar Extension branch
The branch is located at FF,F 120, 121, 122 & 123, KHASRA NO. 1108, VVIP STYLE, RAJ NAGAR EXTN DIST GHAZIABAD, NH 58, 201017, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Raj Nagar Extension branch” — the verified location pin for IFSC UTIB0004428 should appear at the top of the results.
- Confirm the branch is open by calling 9999999999 before stepping out, especially around public holidays.
- 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 UTIB0004428 and your account number.
Verifying IFSC UTIB0004428 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 UTIB0004428 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9999999999.
- 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 Raj Nagar Extension branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004428, however, work 24x7.
Branch address & contact
Axis BankRaj Nagar Extension Branch
FF,F 120, 121, 122 & 123, KHASRA NO. 1108, VVIP STYLE, RAJ NAGAR EXTN DIST GHAZIABAD, NH 58, 201017
Ghaziabad, Uttar Pradesh
Phone: 9999999999
IFSC: UTIB0004428
Frequently asked questions
Can I use IFSC UTIB0004428 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004428 to send funds instantly.
How quickly will an NEFT transfer using UTIB0004428 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Raj Nagar Extension reflect within 30 minutes.
How do I add Axis Bank Raj Nagar Extension as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004428, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Raj Nagar Extension branch but serve different purposes.
Is IFSC UTIB0004428 valid for NEFT and RTGS?
Yes. IFSC UTIB0004428 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Axis Bank Raj Nagar Extension branch located?
Axis Bank's Raj Nagar Extension branch is located at FF,F 120, 121, 122 & 123, KHASRA NO. 1108, VVIP STYLE, RAJ NAGAR EXTN DIST GHAZIABAD, NH 58, 201017, Ghaziabad, Uttar Pradesh.
Summary
The IFSC code UTIB0004428 belongs to Axis Bank's RAJ NAGAR EXTENSION branch, located at FF,F 120, 121, 122 & 123, KHASRA NO. 1108, VVIP STYLE, RAJ NAGAR EXTN DIST… in GHAZIABAD, UTTAR 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.
