This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, KURSI ROAD LUCKNOW branch in LUCKNOW. The 11-digit IFSC UTIB0004987 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 KURSI ROAD LUCKNOW 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 KURSI ROAD LUCKNOW branch, the IFSC UTIB0004987 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004987 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kursi Road Lucknow branch — IFSC UTIB0004987 — extends the bank's services to customers in and around Lucknow, Uttar Pradesh.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Kursi Road Lucknow |
| IFSC Code | UTIB0004987 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UG FLOOR, PLOT NO3 BUILDINGNO 660 7 021, KHASRA NO139, KURSI ROAD, VILL PAHADPUR, LUCKNOW 226021 UP |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 522 |
| Phone | 9336850363 |
About the Kursi Road Lucknow branch
The Kursi Road Lucknow branch of Axis Bank is situated at UG FLOOR, PLOT NO3 BUILDINGNO 660 7 021, KHASRA NO139, KURSI ROAD, VILL PAHADPUR, LUCKNOW 226021 UP. 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 UTIB0004987 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 KURSI ROAD LUCKNOW branch came to be assigned the code UTIB0004987.
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 UTIB0004987, money simply cannot be routed to the KURSI ROAD LUCKNOW branch electronically.
Account types you can open at the Kursi Road Lucknow branch
Once you have an account at Axis Bank – KURSI ROAD LUCKNOW, the IFSC UTIB0004987 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Kursi Road Lucknow branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 522-9336850363.
- 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 UTIB0004987
How to transfer money using IFSC UTIB0004987
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 UTIB0004987 across all three.
NEFT to Axis Bank, KURSI ROAD LUCKNOW using IFSC UTIB0004987
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 UTIB0004987, and confirm that the system picks up Axis Bank – KURSI ROAD LUCKNOW. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0004987
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 – KURSI ROAD LUCKNOW, ensure your bank's portal accepts IFSC UTIB0004987 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – KURSI ROAD LUCKNOW, use IMPS. With IFSC UTIB0004987 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 UTIB0004987 for Axis Bank – KURSI ROAD LUCKNOW, 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 – UTIB0004987 | Yes – UTIB0004987 | Yes – UTIB0004987 |
For most retail customers crediting the Kursi Road Lucknow 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Axis Bank's KURSI ROAD LUCKNOW branch, the IFSC UTIB0004987 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Online banking and IFSC UTIB0004987
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the KURSI ROAD LUCKNOW 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 UTIB0004987 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 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 UTIB0004987 and the account number together uniquely identify the Kursi Road Lucknow 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 – KURSI ROAD LUCKNOW:
- The IFSC is exactly UTIB0004987 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 KURSI ROAD LUCKNOW 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 Kursi Road Lucknow branch
The branch is located at UG FLOOR, PLOT NO3 BUILDINGNO 660 7 021, KHASRA NO139, KURSI ROAD, VILL PAHADPUR, LUCKNOW 226021 UP, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Kursi Road Lucknow branch” — the verified location pin for IFSC UTIB0004987 should appear at the top of the results.
- Confirm the branch is open by calling 522-9336850363 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 UTIB0004987 and your account number.
Verifying IFSC UTIB0004987 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 UTIB0004987 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 522-9336850363.
- Visiting the bank's official branch locator page.
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 Kursi Road Lucknow branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004987, however, work 24x7.
Branch address & contact
Axis BankKursi Road Lucknow Branch
UG FLOOR, PLOT NO3 BUILDINGNO 660 7 021, KHASRA NO139, KURSI ROAD, VILL PAHADPUR, LUCKNOW 226021 UP
Lucknow, Uttar Pradesh
Phone: 522-9336850363
IFSC: UTIB0004987
Frequently asked questions
Can I use IFSC UTIB0004987 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004987 to send funds instantly.
How do I add Axis Bank Kursi Road Lucknow as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004987, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Axis Bank Kursi Road Lucknow branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 522-9336850363 to confirm.
How quickly will an NEFT transfer using UTIB0004987 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Kursi Road Lucknow reflect within 30 minutes.
What is the IFSC code of Axis Bank Kursi Road Lucknow branch?
The IFSC code of Axis Bank, Kursi Road Lucknow branch is UTIB0004987. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0004987 the same for all accounts at Kursi Road Lucknow branch?
Yes. The IFSC UTIB0004987 is shared by every account held at Axis Bank's Kursi Road Lucknow branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0004987 belongs to Axis Bank's KURSI ROAD LUCKNOW branch, located at UG FLOOR, PLOT NO3 BUILDINGNO 660 7 021, KHASRA NO139, KURSI ROAD, VILL… in LUCKNOW, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
