This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, LASHKAR, GWALIOR branch in GWALIOR. The 11-digit IFSC UTIB0001055 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the LASHKAR, GWALIOR location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0001055 is the IFSC of Axis Bank's LASHKAR, GWALIOR branch. The format is fixed: UTIB = bank code, 0 = reserved, 001055 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Lashkar, Gwalior branch in Gwalior, Madhya Pradesh is part of this network and uses the IFSC code UTIB0001055 for all electronic settlement.
About the Lashkar, Gwalior branch
The Lashkar, Gwalior branch of Axis Bank is situated at HAZRAT ROAD , NEXT TO DEWAN HOSPITAL , LASHKAR, GWALIOR , MADHYA PRADESH PIN 474009. 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 UTIB0001055 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Lashkar, Gwalior |
| IFSC Code | UTIB0001055 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HAZRAT ROAD , NEXT TO DEWAN HOSPITAL , LASHKAR, GWALIOR , MADHYA PRADESH PIN 474009 |
| City | Gwalior |
| District | Gwalior |
| State | Madhya 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 LASHKAR, GWALIOR branch came to be assigned the code UTIB0001055.
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 UTIB0001055, money simply cannot be routed to the LASHKAR, GWALIOR branch electronically.
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 UTIB0001055 and the account number together uniquely identify the Lashkar, Gwalior branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0001055
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 UTIB0001055 across all three.
How to use IFSC UTIB0001055 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's LASHKAR, GWALIOR 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 UTIB0001055.
- Confirm the bank name auto-populates as Axis Bank and the branch as LASHKAR, GWALIOR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0001055
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 – LASHKAR, GWALIOR, ensure your bank's portal accepts IFSC UTIB0001055 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank LASHKAR, GWALIOR (IFSC UTIB0001055)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001055 in your mobile or internet banking app, and the money is credited to the LASHKAR, GWALIOR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0001055 for Axis Bank – LASHKAR, GWALIOR, 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 – UTIB0001055 | Yes – UTIB0001055 | Yes – UTIB0001055 |
For most retail customers crediting the Lashkar, Gwalior 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 UTIB0001055
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 – LASHKAR, GWALIOR is still mapped to IFSC UTIB0001055. 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 UTIB0001055 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Lashkar, Gwalior branch is mapped to IFSC UTIB0001055 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 UTIB0001055.
Products and services
Customers walking into the Lashkar, Gwalior 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 UTIB0001055
Digital banking channels
Most day-to-day work that customers used to do at the Lashkar, Gwalior 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 UTIB0001055 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.
How to reach the Lashkar, Gwalior branch
The branch is located at HAZRAT ROAD , NEXT TO DEWAN HOSPITAL , LASHKAR, GWALIOR , MADHYA PRADESH PIN 474009, which puts it inside Gwalior, the broader Gwalior district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Lashkar, Gwalior branch” — the verified location pin for IFSC UTIB0001055 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 UTIB0001055 and your account number.
Common mistakes to avoid when using IFSC UTIB0001055
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 – LASHKAR, GWALIOR, 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:
UTIB0001055. - 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.
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 Lashkar, Gwalior branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0001055, however, work 24x7.
Verifying IFSC UTIB0001055 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 UTIB0001055 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 BankLashkar, Gwalior Branch
HAZRAT ROAD , NEXT TO DEWAN HOSPITAL , LASHKAR, GWALIOR , MADHYA PRADESH PIN 474009
Gwalior, Madhya Pradesh
Phone: the branch contact number
IFSC: UTIB0001055
Frequently asked questions
Can I use IFSC UTIB0001055 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001055 to send funds instantly.
Where is Axis Bank Lashkar, Gwalior branch located?
Axis Bank's Lashkar, Gwalior branch is located at HAZRAT ROAD , NEXT TO DEWAN HOSPITAL , LASHKAR, GWALIOR , MADHYA PRADESH PIN 474009, Gwalior, Madhya Pradesh.
Does Axis Bank Lashkar, Gwalior 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 UTIB0001055 valid for NEFT and RTGS?
Yes. IFSC UTIB0001055 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTIB0001055 the same for all accounts at Lashkar, Gwalior branch?
Yes. The IFSC UTIB0001055 is shared by every account held at Axis Bank's Lashkar, Gwalior branch. Only the account number changes from customer to customer.
What is the phone number of Axis Bank Lashkar, Gwalior branch?
You can reach the branch at the branch contact number during regular banking hours.
Final notes
To recap: UTIB0001055 is the IFSC code of Axis Bank, LASHKAR, GWALIOR branch, in GWALIOR, MADHYA 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.
