Below are the complete branch details for Axis Bank, MIRACLE MILE branch, located in GURGAON, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0006102. 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 UTIB0006102 for Axis Bank – MIRACLE MILE — 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 – MIRACLE MILE is UTIB0006102. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 006102 map to this branch in GURGAON, HARYANA.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Miracle Mile branch — IFSC UTIB0006102 — extends the bank's services to customers in and around Gurgaon, Haryana.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Miracle Mile |
| IFSC Code | UTIB0006102 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, UNIT NO 89 MIRACLE MILE, BLOCK M, SECTOR 60, BRAHMA CITY GURGAON HARYANA 122002 |
| City | Gurgaon |
| District | Gurgaon |
| State | Haryana |
| STD Code | 124 |
| Phone | 9999445029 |
About this branch
The branch is located at GROUND FLOOR, UNIT NO 89 MIRACLE MILE, BLOCK M, SECTOR 60, BRAHMA CITY GURGAON HARYANA 122002. It serves the Gurgaon region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0006102 is used to identify this branch on the RBI payments network.
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 MIRACLE MILE of Axis Bank — its own 11-character IFSC. The code UTIB0006102 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 UTIB0006102 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 Miracle Mile branch
Once you have an account at Axis Bank – MIRACLE MILE, the IFSC UTIB0006102 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 Miracle Mile 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 UTIB0006102
How to transfer money using IFSC UTIB0006102
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 UTIB0006102 across all three.
NEFT to Axis Bank, MIRACLE MILE using IFSC UTIB0006102
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 UTIB0006102, and confirm that the system picks up Axis Bank – MIRACLE MILE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MIRACLE MILE
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's MIRACLE MILE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0006102 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 – MIRACLE MILE, use IMPS. With IFSC UTIB0006102 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 UTIB0006102 for Axis Bank – MIRACLE MILE, 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 – UTIB0006102 | Yes – UTIB0006102 | Yes – UTIB0006102 |
For most retail customers crediting the Miracle Mile 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 UTIB0006102
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 – MIRACLE MILE is still mapped to IFSC UTIB0006102. 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 UTIB0006102 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 Miracle Mile 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 UTIB0006102 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 & cheque-truncation details
Cheques drawn on the Miracle Mile branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0006102 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0006102
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 – MIRACLE MILE, 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:
UTIB0006102. - 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 Miracle Mile branch sits at GROUND FLOOR, UNIT NO 89 MIRACLE MILE, BLOCK M, SECTOR 60, BRAHMA CITY GURGAON HARYANA 122002. If you are travelling from outside Gurgaon, search for the branch on a maps application using the bank name and locality, or call 124-9999445029 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 UTIB0006102 and your account number.
Verifying IFSC UTIB0006102 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 UTIB0006102 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 124-9999445029.
- 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 Miracle Mile branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0006102, however, work 24x7.
Branch address & contact
Axis BankMiracle Mile Branch
GROUND FLOOR, UNIT NO 89 MIRACLE MILE, BLOCK M, SECTOR 60, BRAHMA CITY GURGAON HARYANA 122002
Gurgaon, Haryana
Phone: 124-9999445029
IFSC: UTIB0006102
Frequently asked questions
Is IFSC UTIB0006102 the same for all accounts at Miracle Mile branch?
Yes. The IFSC UTIB0006102 is shared by every account held at Axis Bank's Miracle Mile branch. Only the account number changes from customer to customer.
How do I add Axis Bank Miracle Mile as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0006102, 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 Miracle Mile branch but serve different purposes.
Does Axis Bank Miracle Mile branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 124-9999445029 to confirm.
Is IFSC UTIB0006102 valid for NEFT and RTGS?
Yes. IFSC UTIB0006102 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC UTIB0006102 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0006102 to send funds instantly.
How quickly will an NEFT transfer using UTIB0006102 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Miracle Mile reflect within 30 minutes.
What is the phone number of Axis Bank Miracle Mile branch?
You can reach the branch at 124-9999445029 during regular banking hours.
Summary
The IFSC code UTIB0006102 belongs to Axis Bank's MIRACLE MILE branch, located at GROUND FLOOR, UNIT NO 89 MIRACLE MILE, BLOCK M, SECTOR 60, BRAHMA CITY GURGAON… in GURGAON, HARYANA. 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.
