IFSC Code of Axis Bank, Royal Global University Branch Branch, Assam

Below are the complete branch details for Axis Bank, ROYAL GLOBAL UNIVERSITY BRANCH branch, located in GUWAHATI, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0005820. 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 UTIB0005820 for Axis Bank – ROYAL GLOBAL UNIVERSITY BRANCH — 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 – ROYAL GLOBAL UNIVERSITY BRANCH is UTIB0005820. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005820 map to this branch in GUWAHATI, ASSAM.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Royal Global University Branch branch — IFSC UTIB0005820 — extends the bank's services to customers in and around Guwahati, Assam.

Branch details at a glance

About this branch

The branch is located at GROUND FLOOR, ROYAL PATH, NEAR CBI ACB GUWAHATI, NH 37, ROYAL GLOBAL UNIVERSITY CAMPUS, GARCHUK 781035, ASSAM. It serves the Guwahati 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 UTIB0005820 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 ROYAL GLOBAL UNIVERSITY BRANCH of Axis Bank — its own 11-character IFSC. The code UTIB0005820 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 UTIB0005820 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Royal Global University Branch branch is mapped to IFSC UTIB0005820 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 UTIB0005820.

Products and services

Customers walking into the Royal Global University Branch 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 UTIB0005820

How to transfer money using IFSC UTIB0005820

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 UTIB0005820 across all three.

NEFT to Axis Bank, ROYAL GLOBAL UNIVERSITY BRANCH using IFSC UTIB0005820

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 UTIB0005820, and confirm that the system picks up Axis Bank – ROYAL GLOBAL UNIVERSITY BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0005820

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 – ROYAL GLOBAL UNIVERSITY BRANCH, ensure your bank's portal accepts IFSC UTIB0005820 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank ROYAL GLOBAL UNIVERSITY BRANCH (IFSC UTIB0005820)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005820 in your mobile or internet banking app, and the money is credited to the ROYAL GLOBAL UNIVERSITY BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Royal Global University Branch

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 UTIB0005820:

• 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 ROYAL GLOBAL UNIVERSITY BRANCH is still linked to IFSC UTIB0005820.

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 ROYAL GLOBAL UNIVERSITY BRANCH branch, the IFSC UTIB0005820 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.

Online banking and IFSC UTIB0005820

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the ROYAL GLOBAL UNIVERSITY BRANCH 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 UTIB0005820 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.

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 UTIB0005820 and the account number together uniquely identify the Royal Global University Branch 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 UTIB0005820

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 – ROYAL GLOBAL UNIVERSITY BRANCH, 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: UTIB0005820.
• 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 Royal Global University Branch branch sits at GROUND FLOOR, ROYAL PATH, NEAR CBI ACB GUWAHATI, NH 37, ROYAL GLOBAL UNIVERSITY CAMPUS, GARCHUK 781035, ASSAM. If you are travelling from outside Guwahati, search for the branch on a maps application using the bank name and locality, or call 361-9864048477 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 UTIB0005820 and your account number.

Verifying IFSC UTIB0005820 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 UTIB0005820 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 361-9864048477.
• 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 Royal Global University Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005820, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0005820 is the IFSC code of Axis Bank, ROYAL GLOBAL UNIVERSITY BRANCH branch, in GUWAHATI, ASSAM. 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.