This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, ALIGANJ SECTOR K branch in LUCKNOW. The 11-digit IFSC UTIB0004038 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 ALIGANJ SECTOR K 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.
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 – ALIGANJ SECTOR K is UTIB0004038. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004038 map to this branch in LUCKNOW, 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 Aliganj Sector K branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code UTIB0004038 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Aliganj Sector K |
| IFSC Code | UTIB0004038 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PLOT NO B 7 18 SECTOR K ALIGANJ |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 522 |
| Phone | 4306701 |
About the Aliganj Sector K branch
The Aliganj Sector K branch of Axis Bank is situated at PLOT NO B 7 18 SECTOR K ALIGANJ. 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 UTIB0004038 is used.
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 ALIGANJ SECTOR K branch came to be assigned the code UTIB0004038.
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 UTIB0004038, money simply cannot be routed to the ALIGANJ SECTOR K branch electronically.
Products and account variants supported
Every account opened at the Aliganj Sector K branch is mapped to IFSC UTIB0004038 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 UTIB0004038.
Products and services
Customers walking into the Aliganj Sector K 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 UTIB0004038
How to transfer money using IFSC UTIB0004038
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 UTIB0004038 across all three.
How to use IFSC UTIB0004038 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's ALIGANJ SECTOR K 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 UTIB0004038.
- Confirm the bank name auto-populates as Axis Bank and the branch as ALIGANJ SECTOR K.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0004038
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 – ALIGANJ SECTOR K, ensure your bank's portal accepts IFSC UTIB0004038 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – ALIGANJ SECTOR K, use IMPS. With IFSC UTIB0004038 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Aliganj Sector K
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 UTIB0004038:
- 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 ALIGANJ SECTOR K is still linked to IFSC UTIB0004038.
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 UTIB0004038
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 – ALIGANJ SECTOR K is still mapped to IFSC UTIB0004038. 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 UTIB0004038 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0004038
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the ALIGANJ SECTOR K 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 UTIB0004038 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.
MICR & cheque-truncation details
Cheques drawn on the Aliganj Sector K branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004038 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – ALIGANJ SECTOR K:
- The IFSC is exactly UTIB0004038 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 ALIGANJ SECTOR K 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 Aliganj Sector K branch sits at PLOT NO B 7 18 SECTOR K ALIGANJ. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 522-4306701 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 UTIB0004038 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0004038 for Axis Bank – ALIGANJ SECTOR K, 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 Aliganj Sector K 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 UTIB0004038 continue to work without interruption.
Branch address & contact
Axis BankAliganj Sector K Branch
PLOT NO B 7 18 SECTOR K ALIGANJ
Lucknow, Uttar Pradesh
Phone: 522-4306701
IFSC: UTIB0004038
Frequently asked questions
Does Axis Bank Aliganj Sector K branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 522-4306701 to confirm.
Is IFSC UTIB0004038 the same for all accounts at Aliganj Sector K branch?
Yes. The IFSC UTIB0004038 is shared by every account held at Axis Bank's Aliganj Sector K branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using UTIB0004038 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Aliganj Sector K reflect within 30 minutes.
How do I add Axis Bank Aliganj Sector K as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004038, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Aliganj Sector K branch located?
Axis Bank's Aliganj Sector K branch is located at PLOT NO B 7 18 SECTOR K ALIGANJ, Lucknow, Uttar Pradesh.
Can I use IFSC UTIB0004038 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004038 to send funds instantly.
Final notes
To recap: UTIB0004038 is the IFSC code of Axis Bank, ALIGANJ SECTOR K branch, in LUCKNOW, 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.
