Use this page as a one-stop reference for everything related to Axis Bank's GOSAINGANJ branch in LUCKNOW, UTTAR PRADESH. The branch's IFSC code UTIB0005324 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 GOSAINGANJ branch, the IFSC UTIB0005324 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005324 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Gosainganj branch — IFSC UTIB0005324 — extends the bank's services to customers in and around Lucknow, Uttar Pradesh.
About this branch
The branch is located at LGF, KHASRA NO 494, 495, VILL SADARPUR KARORA, GOSAINGANJ, THE MOHANLALGANJ, DIST LUCKNOW 226501 UP. It serves the Lucknow 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 UTIB0005324 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Gosainganj |
| IFSC Code | UTIB0005324 |
| MICR Code | Refer to cheque leaf |
| Branch Address | LGF, KHASRA NO 494, 495, VILL SADARPUR KARORA, GOSAINGANJ, THE MOHANLALGANJ, DIST LUCKNOW 226501 UP |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 522 |
| Phone | 9197923031 |
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 GOSAINGANJ branch came to be assigned the code UTIB0005324.
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 UTIB0005324, money simply cannot be routed to the GOSAINGANJ branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Gosainganj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005324 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 UTIB0005324
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 UTIB0005324 across all three.
How to use IFSC UTIB0005324 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's GOSAINGANJ 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 UTIB0005324.
- Confirm the bank name auto-populates as Axis Bank and the branch as GOSAINGANJ.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0005324
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 – GOSAINGANJ, ensure your bank's portal accepts IFSC UTIB0005324 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – GOSAINGANJ, use IMPS. With IFSC UTIB0005324 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 UTIB0005324 for Axis Bank – GOSAINGANJ, 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 – UTIB0005324 | Yes – UTIB0005324 | Yes – UTIB0005324 |
For most retail customers crediting the Gosainganj 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 UTIB0005324
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 – GOSAINGANJ is still mapped to IFSC UTIB0005324. 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 UTIB0005324 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Gosainganj branch is mapped to IFSC UTIB0005324 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 UTIB0005324.
Banking services available
The Gosainganj branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 522-9197923031.
- 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 UTIB0005324
Online banking and IFSC UTIB0005324
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the GOSAINGANJ 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 UTIB0005324 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 Gosainganj branch sits at LGF, KHASRA NO 494, 495, VILL SADARPUR KARORA, GOSAINGANJ, THE MOHANLALGANJ, DIST LUCKNOW 226501 UP. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 522-9197923031 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 UTIB0005324 and your account number.
Common mistakes to avoid when using IFSC UTIB0005324
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 – GOSAINGANJ, 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:
UTIB0005324. - 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.
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 Gosainganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005324, however, work 24x7.
Verifying IFSC UTIB0005324 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 UTIB0005324 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 522-9197923031.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankGosainganj Branch
LGF, KHASRA NO 494, 495, VILL SADARPUR KARORA, GOSAINGANJ, THE MOHANLALGANJ, DIST LUCKNOW 226501 UP
Lucknow, Uttar Pradesh
Phone: 522-9197923031
IFSC: UTIB0005324
Frequently asked questions
Can I use IFSC UTIB0005324 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005324 to send funds instantly.
How quickly will an NEFT transfer using UTIB0005324 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Gosainganj reflect within 30 minutes.
Where is Axis Bank Gosainganj branch located?
Axis Bank's Gosainganj branch is located at LGF, KHASRA NO 494, 495, VILL SADARPUR KARORA, GOSAINGANJ, THE MOHANLALGANJ, DIST LUCKNOW 226501 UP, Lucknow, Uttar Pradesh.
What is the phone number of Axis Bank Gosainganj branch?
You can reach the branch at 522-9197923031 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Gosainganj branch but serve different purposes.
What is the IFSC code of Axis Bank Gosainganj branch?
The IFSC code of Axis Bank, Gosainganj branch is UTIB0005324. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: UTIB0005324 is the IFSC code of Axis Bank, GOSAINGANJ 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.
