If you are searching for the IFSC code of Axis Bank, NAUBASTA KANPUR branch in KANPUR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0005198. 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 NAUBASTA KANPUR branch, and detailed step-by-step guides for using the IFSC UTIB0005198 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 NAUBASTA KANPUR branch, the IFSC UTIB0005198 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005198 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Naubasta Kanpur |
| IFSC Code | UTIB0005198 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR 277 D NAUBASTA HAMIRPUR ROAD KANPUR NAGAR UTTAR PRADESH 208021 |
| City | Kanpur |
| District | Kanpur |
| State | Uttar Pradesh |
| STD Code | 512 |
| Phone | 9621212038 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Naubasta Kanpur branch in Kanpur, Uttar Pradesh is part of this network and uses the IFSC code UTIB0005198 for all electronic settlement.
About the Naubasta Kanpur branch
The Naubasta Kanpur branch of Axis Bank is situated at GROUND FLOOR 277 D NAUBASTA HAMIRPUR ROAD KANPUR NAGAR UTTAR PRADESH 208021. 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 UTIB0005198 is used.
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 NAUBASTA KANPUR of Axis Bank — its own 11-character IFSC. The code UTIB0005198 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 UTIB0005198 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UTIB0005198
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 UTIB0005198 across all three.
NEFT to Axis Bank, NAUBASTA KANPUR using IFSC UTIB0005198
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 UTIB0005198, and confirm that the system picks up Axis Bank – NAUBASTA KANPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0005198
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 – NAUBASTA KANPUR, ensure your bank's portal accepts IFSC UTIB0005198 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – NAUBASTA KANPUR, use IMPS. With IFSC UTIB0005198 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 UTIB0005198 for Axis Bank – NAUBASTA KANPUR, 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 – UTIB0005198 | Yes – UTIB0005198 | Yes – UTIB0005198 |
For most retail customers crediting the Naubasta Kanpur 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 UTIB0005198
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 – NAUBASTA KANPUR is still mapped to IFSC UTIB0005198. 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 UTIB0005198 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Naubasta Kanpur branch is mapped to IFSC UTIB0005198 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 UTIB0005198.
Banking services available
The Naubasta Kanpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 512-9621212038.
- 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 UTIB0005198
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 UTIB0005198 and the account number together uniquely identify the Naubasta Kanpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0005198
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NAUBASTA KANPUR 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 UTIB0005198 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.
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 – NAUBASTA KANPUR:
- The IFSC is exactly UTIB0005198 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 NAUBASTA 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.
How to reach the Naubasta Kanpur branch
The branch is located at GROUND FLOOR 277 D NAUBASTA HAMIRPUR ROAD KANPUR NAGAR UTTAR PRADESH 208021, which puts it inside Kanpur, the broader Kanpur district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Naubasta Kanpur branch” — the verified location pin for IFSC UTIB0005198 should appear at the top of the results.
- Confirm the branch is open by calling 512-9621212038 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 UTIB0005198 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0005198 for Axis Bank – NAUBASTA KANPUR, 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 Naubasta 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 UTIB0005198 continue to work without interruption.
Branch address & contact
Axis BankNaubasta Kanpur Branch
GROUND FLOOR 277 D NAUBASTA HAMIRPUR ROAD KANPUR NAGAR UTTAR PRADESH 208021
Kanpur, Uttar Pradesh
Phone: 512-9621212038
IFSC: UTIB0005198
Frequently asked questions
Does Axis Bank Naubasta Kanpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 512-9621212038 to confirm.
Can I use IFSC UTIB0005198 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005198 to send funds instantly.
Where is Axis Bank Naubasta Kanpur branch located?
Axis Bank's Naubasta Kanpur branch is located at GROUND FLOOR 277 D NAUBASTA HAMIRPUR ROAD KANPUR NAGAR UTTAR PRADESH 208021, Kanpur, Uttar Pradesh.
Is IFSC UTIB0005198 valid for NEFT and RTGS?
Yes. IFSC UTIB0005198 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTIB0005198 the same for all accounts at Naubasta Kanpur branch?
Yes. The IFSC UTIB0005198 is shared by every account held at Axis Bank's Naubasta Kanpur branch. Only the account number changes from customer to customer.
How do I add Axis Bank Naubasta Kanpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005198, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0005198 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Naubasta Kanpur reflect within 30 minutes.
What is the phone number of Axis Bank Naubasta Kanpur branch?
You can reach the branch at 512-9621212038 during regular banking hours.
Final notes
To recap: UTIB0005198 is the IFSC code of Axis Bank, NAUBASTA 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.
