If you are searching for the IFSC code of Axis Bank, MALIHABAD LUCKNOW branch in LUCKNOW, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0005705. 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 MALIHABAD LUCKNOW branch, and detailed step-by-step guides for using the IFSC UTIB0005705 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0005705 is the IFSC of Axis Bank's MALIHABAD LUCKNOW branch. The format is fixed: UTIB = bank code, 0 = reserved, 005705 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Malihabad Lucknow branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code UTIB0005705 for all electronic settlement.
About the Malihabad Lucknow branch
The Malihabad Lucknow branch of Axis Bank is situated at UGF, SHOP NO 16 TO 23, WARD 13, MUJEEB COMPLEX, MIRZAGANJ, TEHSIL MALIHABAD, DIST LUCKNOW 226102 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 UTIB0005705 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Malihabad Lucknow |
| IFSC Code | UTIB0005705 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UGF, SHOP NO 16 TO 23, WARD 13, MUJEEB COMPLEX, MIRZAGANJ, TEHSIL MALIHABAD, DIST LUCKNOW 226102 UP |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 522 |
| Phone | 7897420261 |
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 MALIHABAD LUCKNOW branch came to be assigned the code UTIB0005705.
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 UTIB0005705, money simply cannot be routed to the MALIHABAD LUCKNOW branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Malihabad Lucknow branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005705 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 UTIB0005705
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 UTIB0005705 across all three.
NEFT to Axis Bank, MALIHABAD LUCKNOW using IFSC UTIB0005705
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 UTIB0005705, and confirm that the system picks up Axis Bank – MALIHABAD LUCKNOW. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MALIHABAD LUCKNOW
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's MALIHABAD LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005705 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank MALIHABAD LUCKNOW (IFSC UTIB0005705)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005705 in your mobile or internet banking app, and the money is credited to the MALIHABAD LUCKNOW branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005705 for Axis Bank – MALIHABAD 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 – UTIB0005705 | Yes – UTIB0005705 | Yes – UTIB0005705 |
For most retail customers crediting the Malihabad 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 MALIHABAD LUCKNOW branch, the IFSC UTIB0005705 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.
Account types you can open at the Malihabad Lucknow branch
Once you have an account at Axis Bank – MALIHABAD LUCKNOW, the IFSC UTIB0005705 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.
Products and services
Customers walking into the Malihabad Lucknow 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 UTIB0005705
Digital banking channels
Most day-to-day work that customers used to do at the Malihabad Lucknow 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 UTIB0005705 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.
Reaching the branch
The Malihabad Lucknow branch sits at UGF, SHOP NO 16 TO 23, WARD 13, MUJEEB COMPLEX, MIRZAGANJ, TEHSIL MALIHABAD, DIST LUCKNOW 226102 UP. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 522-7897420261 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 UTIB0005705 and your account number.
Common mistakes to avoid when using IFSC UTIB0005705
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 – MALIHABAD LUCKNOW, 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:
UTIB0005705. - 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 Malihabad Lucknow branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005705, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0005705 for Axis Bank – MALIHABAD LUCKNOW, 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.
Branch address & contact
Axis BankMalihabad Lucknow Branch
UGF, SHOP NO 16 TO 23, WARD 13, MUJEEB COMPLEX, MIRZAGANJ, TEHSIL MALIHABAD, DIST LUCKNOW 226102 UP
Lucknow, Uttar Pradesh
Phone: 522-7897420261
IFSC: UTIB0005705
Frequently asked questions
Is IFSC UTIB0005705 valid for NEFT and RTGS?
Yes. IFSC UTIB0005705 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Axis Bank Malihabad Lucknow branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 522-7897420261 to confirm.
What is the phone number of Axis Bank Malihabad Lucknow branch?
You can reach the branch at 522-7897420261 during regular banking hours.
Is IFSC UTIB0005705 the same for all accounts at Malihabad Lucknow branch?
Yes. The IFSC UTIB0005705 is shared by every account held at Axis Bank's Malihabad Lucknow branch. Only the account number changes from customer to customer.
Can I use IFSC UTIB0005705 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005705 to send funds instantly.
How do I add Axis Bank Malihabad Lucknow as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005705, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UTIB0005705 belongs to Axis Bank's MALIHABAD LUCKNOW branch, located at UGF, SHOP NO 16 TO 23, WARD 13, MUJEEB COMPLEX, MIRZAGANJ, TEHSIL MALIHABAD,… 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.
