IFSC Code of Axis Bank, Ghugus Chandrapur Branch, Maharashtra

If you are searching for the IFSC code of Axis Bank, GHUGUS CHANDRAPUR branch in GHUGUS, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is UTIB0004356. 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 GHUGUS CHANDRAPUR branch, and detailed step-by-step guides for using the IFSC UTIB0004356 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 GHUGUS CHANDRAPUR branch, the IFSC UTIB0004356 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004356 identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghugus Chandrapur branch — IFSC UTIB0004356 — extends the bank's services to customers in and around Ghugus, Maharashtra.

About the Ghugus Chandrapur branch

The Ghugus Chandrapur branch of Axis Bank is situated at GROUND FLOOR,DREAMLAND COMMERCIAL COMPLEX,DIXIT TALAO,MAIN RD,GANDHI CHOWK,GHUGUS,CHANDRAPUR 442505. 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 UTIB0004356 is used.

Branch details at a glance

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 GHUGUS CHANDRAPUR of Axis Bank — its own 11-character IFSC. The code UTIB0004356 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 UTIB0004356 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Ghugus Chandrapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004356 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 UTIB0004356

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 UTIB0004356 across all three.

NEFT to Axis Bank, GHUGUS CHANDRAPUR using IFSC UTIB0004356

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 UTIB0004356, and confirm that the system picks up Axis Bank – GHUGUS CHANDRAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0004356

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 – GHUGUS CHANDRAPUR, ensure your bank's portal accepts IFSC UTIB0004356 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank GHUGUS CHANDRAPUR (IFSC UTIB0004356)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004356 in your mobile or internet banking app, and the money is credited to the GHUGUS CHANDRAPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ghugus Chandrapur

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 UTIB0004356:

• 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 GHUGUS CHANDRAPUR is still linked to IFSC UTIB0004356.

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.

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 GHUGUS CHANDRAPUR branch, the IFSC UTIB0004356 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 Ghugus Chandrapur branch is mapped to IFSC UTIB0004356 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 UTIB0004356.

Products and services

Customers walking into the Ghugus Chandrapur 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 UTIB0004356

Online banking and IFSC UTIB0004356

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the GHUGUS CHANDRAPUR 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 UTIB0004356 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.

How to reach the Ghugus Chandrapur branch

The branch is located at GROUND FLOOR,DREAMLAND COMMERCIAL COMPLEX,DIXIT TALAO,MAIN RD,GANDHI CHOWK,GHUGUS,CHANDRAPUR 442505, which puts it inside Ghugus, the broader Chandrapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Ghugus Chandrapur branch” — the verified location pin for IFSC UTIB0004356 should appear at the top of the results.
2. Confirm the branch is open by calling 7172-8956355687 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 UTIB0004356 and your account number.

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 – GHUGUS CHANDRAPUR:

• The IFSC is exactly UTIB0004356 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 GHUGUS CHANDRAPUR 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.

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 Ghugus Chandrapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004356, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0004356 for Axis Bank – GHUGUS CHANDRAPUR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0004356 belongs to Axis Bank's GHUGUS CHANDRAPUR branch, located at GROUND FLOOR,DREAMLAND COMMERCIAL COMPLEX,DIXIT TALAO,MAIN RD,GANDHI… in GHUGUS, MAHARASHTRA. 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.