Below are the complete branch details for Axis Bank, GHOSI branch, located in GHOSI, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003697. 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 UTIB0003697 for Axis Bank – GHOSI — 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 – GHOSI is UTIB0003697. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003697 map to this branch in GHOSI, UTTAR PRADESH.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ghosi branch in Ghosi, Uttar Pradesh is part of this network and uses the IFSC code UTIB0003697 for all electronic settlement.
About the Ghosi branch
The Ghosi branch of Axis Bank is situated at GROUND FLOOR 850,57 PWD ROAD MIRZA JAMALPUR GHOSI. 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 UTIB0003697 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Ghosi |
| IFSC Code | UTIB0003697 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR 850,57 PWD ROAD MIRZA JAMALPUR GHOSI |
| City | Ghosi |
| District | Mau |
| State | Uttar Pradesh |
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 GHOSI branch came to be assigned the code UTIB0003697.
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 UTIB0003697, money simply cannot be routed to the GHOSI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Ghosi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003697 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0003697
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 UTIB0003697 across all three.
NEFT to Axis Bank, GHOSI using IFSC UTIB0003697
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 UTIB0003697, and confirm that the system picks up Axis Bank – GHOSI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GHOSI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GHOSI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003697 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank GHOSI (IFSC UTIB0003697)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003697 in your mobile or internet banking app, and the money is credited to the GHOSI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0003697 for Axis Bank – GHOSI, 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 – UTIB0003697 | Yes – UTIB0003697 | Yes – UTIB0003697 |
For most retail customers crediting the Ghosi 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 GHOSI branch, the IFSC UTIB0003697 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.
Products and account variants supported
Every account opened at the Ghosi branch is mapped to IFSC UTIB0003697 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 UTIB0003697.
Products and services
Customers walking into the Ghosi 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 UTIB0003697
Online banking and IFSC UTIB0003697
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the GHOSI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UTIB0003697 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Reaching the branch
The Ghosi branch sits at GROUND FLOOR 850,57 PWD ROAD MIRZA JAMALPUR GHOSI. If you are travelling from outside Ghosi, 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 UTIB0003697 and your account number.
Common mistakes to avoid when using IFSC UTIB0003697
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 – GHOSI, 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:
UTIB0003697. - 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.
Working hours
Branch counters at Ghosi 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 UTIB0003697 continue to work without interruption.
Verifying IFSC UTIB0003697 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 UTIB0003697 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 address & contact
Axis BankGhosi Branch
GROUND FLOOR 850,57 PWD ROAD MIRZA JAMALPUR GHOSI
Ghosi, Uttar Pradesh
Phone: the branch contact number
IFSC: UTIB0003697
Frequently asked questions
Is IFSC UTIB0003697 valid for NEFT and RTGS?
Yes. IFSC UTIB0003697 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Ghosi branch but serve different purposes.
Does Axis Bank Ghosi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Is IFSC UTIB0003697 the same for all accounts at Ghosi branch?
Yes. The IFSC UTIB0003697 is shared by every account held at Axis Bank's Ghosi branch. Only the account number changes from customer to customer.
How do I add Axis Bank Ghosi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003697, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Axis Bank Ghosi branch?
The IFSC code of Axis Bank, Ghosi branch is UTIB0003697. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UTIB0003697 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0003697 to send funds instantly.
How quickly will an NEFT transfer using UTIB0003697 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Ghosi reflect within 30 minutes.
Final notes
To recap: UTIB0003697 is the IFSC code of Axis Bank, GHOSI branch, in GHOSI, UTTAR PRADESH. 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.
