This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, NARWAL branch in JAMMU. The 11-digit IFSC UTIB0006386 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 NARWAL 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.
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 NARWAL branch, the IFSC UTIB0006386 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 006386 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Narwal branch in Jammu. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0006386.
About the Narwal branch
The Narwal branch of Axis Bank is situated at GROUND FLOOR, KHASRA SURVEY NO 260 MIN, KHATA NO 164, AND KHEWAT NO 14, SITUATED AT VILLAGE AT NARWAL BALA, BY PASS ROAD, JAMMU, TEHSIL BAHU. 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 UTIB0006386 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Narwal |
| IFSC Code | UTIB0006386 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, KHASRA SURVEY NO 260 MIN, KHATA NO 164, AND KHEWAT NO 14, SITUATED AT VILLAGE AT NARWAL BALA, BY PASS ROAD, JAMMU, TEHSIL BAHU |
| City | Jammu |
| District | Jammu |
| State | Jammu and Kashmir |
| STD Code | 191 |
| Phone | 8283813393 |
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 NARWAL branch came to be assigned the code UTIB0006386.
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 UTIB0006386, money simply cannot be routed to the NARWAL branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Narwal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0006386 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 UTIB0006386
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 UTIB0006386 across all three.
NEFT to Axis Bank, NARWAL using IFSC UTIB0006386
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 UTIB0006386, and confirm that the system picks up Axis Bank – NARWAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NARWAL
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's NARWAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0006386 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 – NARWAL, use IMPS. With IFSC UTIB0006386 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 UTIB0006386 for Axis Bank – NARWAL, 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 – UTIB0006386 | Yes – UTIB0006386 | Yes – UTIB0006386 |
For most retail customers crediting the Narwal 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 UTIB0006386
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 – NARWAL is still mapped to IFSC UTIB0006386. 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 UTIB0006386 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Narwal branch is mapped to IFSC UTIB0006386 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 UTIB0006386.
Banking services available
The Narwal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 191-8283813393.
- 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 UTIB0006386
Online banking and IFSC UTIB0006386
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NARWAL 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 UTIB0006386 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.
Reaching the branch
The Narwal branch sits at GROUND FLOOR, KHASRA SURVEY NO 260 MIN, KHATA NO 164, AND KHEWAT NO 14, SITUATED AT VILLAGE AT NARWAL BALA, BY PASS ROAD, JAMMU, TEHSIL BAHU. If you are travelling from outside Jammu, search for the branch on a maps application using the bank name and locality, or call 191-8283813393 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 UTIB0006386 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 – NARWAL:
- The IFSC is exactly UTIB0006386 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 NARWAL 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 Narwal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0006386, however, work 24x7.
Verifying IFSC UTIB0006386 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 UTIB0006386 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 191-8283813393.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankNarwal Branch
GROUND FLOOR, KHASRA SURVEY NO 260 MIN, KHATA NO 164, AND KHEWAT NO 14, SITUATED AT VILLAGE AT NARWAL BALA, BY PASS ROAD, JAMMU, TEHSIL BAHU
Jammu, Jammu and Kashmir
Phone: 191-8283813393
IFSC: UTIB0006386
Frequently asked questions
Does Axis Bank Narwal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 191-8283813393 to confirm.
Can I use IFSC UTIB0006386 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0006386 to send funds instantly.
Is IFSC UTIB0006386 the same for all accounts at Narwal branch?
Yes. The IFSC UTIB0006386 is shared by every account held at Axis Bank's Narwal branch. Only the account number changes from customer to customer.
How do I add Axis Bank Narwal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0006386, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Narwal branch located?
Axis Bank's Narwal branch is located at GROUND FLOOR, KHASRA SURVEY NO 260 MIN, KHATA NO 164, AND KHEWAT NO 14, SITUATED AT VILLAGE AT NARWAL BALA, BY PASS ROAD, JAMMU, TEHSIL BAHU, Jammu, Jammu and Kashmir.
What is the phone number of Axis Bank Narwal branch?
You can reach the branch at 191-8283813393 during regular banking hours.
Final notes
To recap: UTIB0006386 is the IFSC code of Axis Bank, NARWAL branch, in JAMMU, JAMMU AND KASHMIR. 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.
