IFSC Code of Axis Bank, Chunni Ganj Kanpur Branch, Uttar Pradesh

Below are the complete branch details for Axis Bank, CHUNNI GANJ KANPUR branch, located in KANPUR, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0006475. 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 UTIB0006475 for Axis Bank – CHUNNI GANJ KANPUR — 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 – CHUNNI GANJ KANPUR is UTIB0006475. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 006475 map to this branch in KANPUR, UTTAR PRADESH.

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chunni Ganj Kanpur branch in Kanpur, Uttar Pradesh is part of this network and uses the IFSC code UTIB0006475 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at GF 02 PREMISES NO 14 138, 14 143, 14 144 RATAN ESQUIRE CHUNNIGANJ, KANPUR, U P 208001. It serves the Kanpur 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 UTIB0006475 is used to identify this branch on the RBI payments network.

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 CHUNNI GANJ KANPUR branch came to be assigned the code UTIB0006475.

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 UTIB0006475, money simply cannot be routed to the CHUNNI GANJ KANPUR branch electronically.

Products and account variants supported

Every account opened at the Chunni Ganj Kanpur branch is mapped to IFSC UTIB0006475 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 UTIB0006475.

Products and services

Customers walking into the Chunni Ganj Kanpur 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 UTIB0006475

How to transfer money using IFSC UTIB0006475

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 UTIB0006475 across all three.

NEFT to Axis Bank, CHUNNI GANJ KANPUR using IFSC UTIB0006475

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 UTIB0006475, and confirm that the system picks up Axis Bank – CHUNNI GANJ KANPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0006475

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 – CHUNNI GANJ KANPUR, ensure your bank's portal accepts IFSC UTIB0006475 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank CHUNNI GANJ KANPUR (IFSC UTIB0006475)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0006475 in your mobile or internet banking app, and the money is credited to the CHUNNI GANJ KANPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chunni Ganj Kanpur

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 UTIB0006475:

• 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 CHUNNI GANJ KANPUR is still linked to IFSC UTIB0006475.

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.

UPI payments and IFSC UTIB0006475

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 – CHUNNI GANJ KANPUR is still mapped to IFSC UTIB0006475. 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 UTIB0006475 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 Chunni Ganj Kanpur 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 UTIB0006475 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 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 UTIB0006475 and the account number together uniquely identify the Chunni Ganj Kanpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – CHUNNI GANJ KANPUR:

• The IFSC is exactly UTIB0006475 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 CHUNNI GANJ KANPUR 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.

Reaching the branch

The Chunni Ganj Kanpur branch sits at GF 02 PREMISES NO 14 138, 14 143, 14 144 RATAN ESQUIRE CHUNNIGANJ, KANPUR, U P 208001. If you are travelling from outside Kanpur, search for the branch on a maps application using the bank name and locality, or call 512-9044277667 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 UTIB0006475 and your account number.

Verifying IFSC UTIB0006475 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 UTIB0006475 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 512-9044277667.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chunni Ganj Kanpur 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 UTIB0006475 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0006475 is the IFSC code of Axis Bank, CHUNNI GANJ KANPUR branch, in KANPUR, UTTAR 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.