IFSC Code of Axis Bank, Lajpat Rai Road Jagraon Branch, Punjab

If you are searching for the IFSC code of Axis Bank, LAJPAT RAI ROAD JAGRAON branch in JAGRAON, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UTIB0004083. 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 LAJPAT RAI ROAD JAGRAON branch, and detailed step-by-step guides for using the IFSC UTIB0004083 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 LAJPAT RAI ROAD JAGRAON branch, the IFSC UTIB0004083 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004083 identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Lajpat Rai Road Jagraon branch — IFSC UTIB0004083 — extends the bank's services to customers in and around Jagraon, Punjab.

Branch details at a glance

Lajpat Rai Road Jagraon branch overview

Located at GROUND FLOOR MUNICIPAL NO 449 1 JAGRAON 142026, the Lajpat Rai Road Jagraon branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004083 is required for all interbank electronic transfers routed through this branch.

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 LAJPAT RAI ROAD JAGRAON of Axis Bank — its own 11-character IFSC. The code UTIB0004083 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 UTIB0004083 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 Lajpat Rai Road Jagraon branch

Once you have an account at Axis Bank – LAJPAT RAI ROAD JAGRAON, the IFSC UTIB0004083 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.

Banking services available

The Lajpat Rai Road Jagraon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-91.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0004083

How to transfer money using IFSC UTIB0004083

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 UTIB0004083 across all three.

NEFT to Axis Bank, LAJPAT RAI ROAD JAGRAON using IFSC UTIB0004083

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 UTIB0004083, and confirm that the system picks up Axis Bank – LAJPAT RAI ROAD JAGRAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LAJPAT RAI ROAD JAGRAON

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's LAJPAT RAI ROAD JAGRAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004083 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank LAJPAT RAI ROAD JAGRAON (IFSC UTIB0004083)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004083 in your mobile or internet banking app, and the money is credited to the LAJPAT RAI ROAD JAGRAON branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Lajpat Rai Road Jagraon

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 UTIB0004083:

• 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 LAJPAT RAI ROAD JAGRAON is still linked to IFSC UTIB0004083.

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 LAJPAT RAI ROAD JAGRAON branch, the IFSC UTIB0004083 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.

Digital banking channels

Most day-to-day work that customers used to do at the Lajpat Rai Road Jagraon 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 UTIB0004083 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 Lajpat Rai Road Jagraon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004083 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 UTIB0004083

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 – LAJPAT RAI ROAD JAGRAON, 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: UTIB0004083.
• 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 Lajpat Rai Road Jagraon branch sits at GROUND FLOOR MUNICIPAL NO 449 1 JAGRAON 142026. If you are travelling from outside Jagraon, search for the branch on a maps application using the bank name and locality, or call 91-91 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 UTIB0004083 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0004083 for Axis Bank – LAJPAT RAI ROAD JAGRAON, 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.

Working hours

Branch counters at Lajpat Rai Road Jagraon 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 UTIB0004083 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0004083 belongs to Axis Bank's LAJPAT RAI ROAD JAGRAON branch, located at GROUND FLOOR MUNICIPAL NO 449 1 JAGRAON 142026 in JAGRAON, PUNJAB. 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.