IFSC Code of Axis Bank, Nirala Nagar Lucknow Branch, Uttar Pradesh

If you are searching for the IFSC code of Axis Bank, NIRALA NAGAR LUCKNOW branch in LUCKNOW, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0005645. 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 NIRALA NAGAR LUCKNOW branch, and detailed step-by-step guides for using the IFSC UTIB0005645 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.

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 – NIRALA NAGAR LUCKNOW is UTIB0005645. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005645 map to this branch in LUCKNOW, UTTAR PRADESH.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Nirala Nagar Lucknow branch — IFSC UTIB0005645 — extends the bank's services to customers in and around Lucknow, Uttar Pradesh.

Branch details at a glance

About the Nirala Nagar Lucknow branch

The Nirala Nagar Lucknow branch of Axis Bank is situated at GROUND FLOOR,HOUSE NO 498 A CC 007,PLOT NUMBER 7,NIRALA NAGAR,LUCKNOW. 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 UTIB0005645 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 NIRALA NAGAR LUCKNOW of Axis Bank — its own 11-character IFSC. The code UTIB0005645 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 UTIB0005645 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Nirala Nagar Lucknow branch is mapped to IFSC UTIB0005645 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 UTIB0005645.

Banking services available

The Nirala Nagar Lucknow branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5222-9839316921.

• 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 UTIB0005645

How to transfer money using IFSC UTIB0005645

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 UTIB0005645 across all three.

How to use IFSC UTIB0005645 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's NIRALA NAGAR LUCKNOW 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0005645.
4. Confirm the bank name auto-populates as Axis Bank and the branch as NIRALA NAGAR LUCKNOW.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to NIRALA NAGAR LUCKNOW

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's NIRALA NAGAR LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005645 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank NIRALA NAGAR LUCKNOW (IFSC UTIB0005645)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005645 in your mobile or internet banking app, and the money is credited to the NIRALA NAGAR LUCKNOW branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0005645 for Axis Bank – NIRALA NAGAR 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.

For most retail customers crediting the Nirala Nagar 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 NIRALA NAGAR LUCKNOW branch, the IFSC UTIB0005645 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 UTIB0005645

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NIRALA NAGAR 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 UTIB0005645 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 Nirala Nagar Lucknow branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005645 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UTIB0005645

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 – NIRALA NAGAR 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: UTIB0005645.
• 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.

How to reach the Nirala Nagar Lucknow branch

The branch is located at GROUND FLOOR,HOUSE NO 498 A CC 007,PLOT NUMBER 7,NIRALA NAGAR,LUCKNOW, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Nirala Nagar Lucknow branch” — the verified location pin for IFSC UTIB0005645 should appear at the top of the results.
2. Confirm the branch is open by calling 5222-9839316921 before stepping out, especially around public holidays.
3. 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 UTIB0005645 and your account number.

Verifying IFSC UTIB0005645 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 UTIB0005645 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5222-9839316921.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Nirala Nagar Lucknow 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 UTIB0005645 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0005645 is the IFSC code of Axis Bank, NIRALA NAGAR LUCKNOW 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.