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

If you are searching for the IFSC code of Axis Bank, SAROJINI NAGAR BRANCH LUCKNOW branch in LUCKNOW, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0005546. 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 SAROJINI NAGAR BRANCH LUCKNOW branch, and detailed step-by-step guides for using the IFSC UTIB0005546 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, UTIB0005546 is the IFSC of Axis Bank's SAROJINI NAGAR BRANCH LUCKNOW branch. The format is fixed: UTIB = bank code, 0 = reserved, 005546 = branch identifier.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Sarojini Nagar Branch Lucknow branch in Lucknow. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0005546.

Branch details at a glance

Sarojini Nagar Branch Lucknow branch overview

Located at UGF,578 044 A,GAURI BAZAR PARGANA BIJNOR,TEHSIL SAROJINI NAGAR,LUCKNOW, the Sarojini Nagar Branch Lucknow branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0005546 is required for all interbank electronic transfers routed through this branch.

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 SAROJINI NAGAR BRANCH LUCKNOW branch came to be assigned the code UTIB0005546.

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 UTIB0005546, money simply cannot be routed to the SAROJINI NAGAR BRANCH LUCKNOW branch electronically.

Products and account variants supported

Every account opened at the Sarojini Nagar Branch Lucknow branch is mapped to IFSC UTIB0005546 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 UTIB0005546.

Products and services

Customers walking into the Sarojini Nagar Branch 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 UTIB0005546

How to transfer money using IFSC UTIB0005546

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 UTIB0005546 across all three.

How to use IFSC UTIB0005546 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SAROJINI NAGAR BRANCH 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 UTIB0005546.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SAROJINI NAGAR BRANCH 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 SAROJINI NAGAR BRANCH LUCKNOW

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SAROJINI NAGAR BRANCH LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005546 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank SAROJINI NAGAR BRANCH LUCKNOW (IFSC UTIB0005546)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005546 in your mobile or internet banking app, and the money is credited to the SAROJINI NAGAR BRANCH LUCKNOW branch account within seconds.

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

All three modes accept the IFSC UTIB0005546 for Axis Bank – SAROJINI NAGAR BRANCH 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 Sarojini Nagar Branch 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 SAROJINI NAGAR BRANCH LUCKNOW branch, the IFSC UTIB0005546 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 UTIB0005546

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SAROJINI NAGAR BRANCH 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 UTIB0005546 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 UTIB0005546 and the account number together uniquely identify the Sarojini Nagar Branch Lucknow branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC UTIB0005546

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 – SAROJINI NAGAR BRANCH 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: UTIB0005546.
• 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 Sarojini Nagar Branch Lucknow branch

The branch is located at UGF,578 044 A,GAURI BAZAR PARGANA BIJNOR,TEHSIL SAROJINI 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 Sarojini Nagar Branch Lucknow branch” — the verified location pin for IFSC UTIB0005546 should appear at the top of the results.
2. Confirm the branch is open by calling 522-9839770070 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 UTIB0005546 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0005546 for Axis Bank – SAROJINI NAGAR BRANCH 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.

Working hours

Branch counters at Sarojini Nagar Branch 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 UTIB0005546 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0005546 belongs to Axis Bank's SAROJINI NAGAR BRANCH LUCKNOW branch, located at UGF,578 044 A,GAURI BAZAR PARGANA BIJNOR,TEHSIL SAROJINI NAGAR,LUCKNOW 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.