This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, SUBHASH MARG LUCKNOW branch in LUCKNOW. The 11-digit IFSC UTIB0004988 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 SUBHASH MARG 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.
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 – SUBHASH MARG LUCKNOW is UTIB0004988. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004988 map to this branch in LUCKNOW, UTTAR PRADESH.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Subhash Marg 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, UTIB0004988.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Subhash Marg Lucknow |
| IFSC Code | UTIB0004988 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER GROUND FLOOR AND FIRST FLOOR, 215 86A AND B, PLOT NO- 03, SUBHASH MARG, LUCKNOW 226003 UTTARPRADESH |
| City | Lucknow |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 522 |
| Phone | 9559059786 |
About the Subhash Marg Lucknow branch
The Subhash Marg Lucknow branch of Axis Bank is situated at UPPER GROUND FLOOR AND FIRST FLOOR, 215 86A AND B, PLOT NO- 03, SUBHASH MARG, LUCKNOW 226003 UTTARPRADESH. 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 UTIB0004988 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 SUBHASH MARG LUCKNOW of Axis Bank — its own 11-character IFSC. The code UTIB0004988 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 UTIB0004988 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 Subhash Marg Lucknow branch is mapped to IFSC UTIB0004988 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 UTIB0004988.
Products and services
Customers walking into the Subhash Marg 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 UTIB0004988
How to transfer money using IFSC UTIB0004988
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 UTIB0004988 across all three.
How to use IFSC UTIB0004988 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SUBHASH MARG 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).
- 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 UTIB0004988.
- Confirm the bank name auto-populates as Axis Bank and the branch as SUBHASH MARG LUCKNOW.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0004988
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 – SUBHASH MARG LUCKNOW, ensure your bank's portal accepts IFSC UTIB0004988 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank SUBHASH MARG LUCKNOW (IFSC UTIB0004988)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004988 in your mobile or internet banking app, and the money is credited to the SUBHASH MARG LUCKNOW branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Subhash Marg Lucknow
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0004988:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at SUBHASH MARG LUCKNOW is still linked to IFSC UTIB0004988.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 SUBHASH MARG LUCKNOW branch, the IFSC UTIB0004988 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 UTIB0004988
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SUBHASH MARG 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 UTIB0004988 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 Subhash Marg Lucknow branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004988 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 UTIB0004988
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 – SUBHASH MARG 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:
UTIB0004988. - 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 Subhash Marg Lucknow branch
The branch is located at UPPER GROUND FLOOR AND FIRST FLOOR, 215 86A AND B, PLOT NO- 03, SUBHASH MARG, LUCKNOW 226003 UTTARPRADESH, 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 Subhash Marg Lucknow branch” — the verified location pin for IFSC UTIB0004988 should appear at the top of the results.
- Confirm the branch is open by calling 522-9559059786 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 UTIB0004988 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0004988 for Axis Bank – SUBHASH MARG 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 Subhash Marg 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 UTIB0004988 continue to work without interruption.
Branch address & contact
Axis BankSubhash Marg Lucknow Branch
UPPER GROUND FLOOR AND FIRST FLOOR, 215 86A AND B, PLOT NO- 03, SUBHASH MARG, LUCKNOW 226003 UTTARPRADESH
Lucknow, Uttar Pradesh
Phone: 522-9559059786
IFSC: UTIB0004988
Frequently asked questions
Is IFSC UTIB0004988 valid for NEFT and RTGS?
Yes. IFSC UTIB0004988 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0004988 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Subhash Marg Lucknow reflect within 30 minutes.
Is IFSC UTIB0004988 the same for all accounts at Subhash Marg Lucknow branch?
Yes. The IFSC UTIB0004988 is shared by every account held at Axis Bank's Subhash Marg Lucknow branch. Only the account number changes from customer to customer.
What is the phone number of Axis Bank Subhash Marg Lucknow branch?
You can reach the branch at 522-9559059786 during regular banking hours.
Where is Axis Bank Subhash Marg Lucknow branch located?
Axis Bank's Subhash Marg Lucknow branch is located at UPPER GROUND FLOOR AND FIRST FLOOR, 215 86A AND B, PLOT NO- 03, SUBHASH MARG, LUCKNOW 226003 UTTARPRADESH, Lucknow, Uttar Pradesh.
How do I add Axis Bank Subhash Marg Lucknow as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004988, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0004988 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004988 to send funds instantly.
Does Axis Bank Subhash Marg Lucknow branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 522-9559059786 to confirm.
Final notes
To recap: UTIB0004988 is the IFSC code of Axis Bank, SUBHASH MARG 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.
