Below are the complete branch details for Axis Bank, MAKHU branch, located in MAKHU, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0004279. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0004279 for Axis Bank – MAKHU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, UTIB0004279 is the IFSC of Axis Bank's MAKHU branch. The format is fixed: UTIB = bank code, 0 = reserved, 004279 = branch identifier.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Makhu branch in Makhu. 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, UTIB0004279.
About this branch
The branch is located at GR FLR KHASRA NO. 31M,KHEWAT KHATAUNI 11-34, RLWY RD MAKHU TEHSIL ZIRA, DIST FEROZEPUR 142044. It serves the Makhu region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0004279 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Makhu |
| IFSC Code | UTIB0004279 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR KHASRA NO. 31M,KHEWAT KHATAUNI 11-34, RLWY RD MAKHU TEHSIL ZIRA, DIST FEROZEPUR 142044 |
| City | Makhu |
| District | Ferozepur |
| State | Punjab |
| STD Code | 91 |
| Phone | 9999999999 |
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 MAKHU of Axis Bank — its own 11-character IFSC. The code UTIB0004279 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 UTIB0004279 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UTIB0004279 and the account number together uniquely identify the Makhu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0004279
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 UTIB0004279 across all three.
NEFT to Axis Bank, MAKHU using IFSC UTIB0004279
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 UTIB0004279, and confirm that the system picks up Axis Bank – MAKHU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0004279
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 – MAKHU, ensure your bank's portal accepts IFSC UTIB0004279 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank MAKHU (IFSC UTIB0004279)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004279 in your mobile or internet banking app, and the money is credited to the MAKHU branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004279 for Axis Bank – MAKHU, 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 – UTIB0004279 | Yes – UTIB0004279 | Yes – UTIB0004279 |
For most retail customers crediting the Makhu 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 MAKHU branch, the IFSC UTIB0004279 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.
Products and account variants supported
Every account opened at the Makhu branch is mapped to IFSC UTIB0004279 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 UTIB0004279.
Products and services
Customers walking into the Makhu 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 UTIB0004279
Online banking and IFSC UTIB0004279
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the MAKHU 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 UTIB0004279 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.
Reaching the branch
The Makhu branch sits at GR FLR KHASRA NO. 31M,KHEWAT KHATAUNI 11-34, RLWY RD MAKHU TEHSIL ZIRA, DIST FEROZEPUR 142044. If you are travelling from outside Makhu, search for the branch on a maps application using the bank name and locality, or call 91-9999999999 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 UTIB0004279 and your account number.
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 – MAKHU:
- The IFSC is exactly UTIB0004279 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 MAKHU 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.
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 Makhu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004279, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0004279 for Axis Bank – MAKHU, 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 BankMakhu Branch
GR FLR KHASRA NO. 31M,KHEWAT KHATAUNI 11-34, RLWY RD MAKHU TEHSIL ZIRA, DIST FEROZEPUR 142044
Makhu, Punjab
Phone: 91-9999999999
IFSC: UTIB0004279
Frequently asked questions
Can I use IFSC UTIB0004279 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004279 to send funds instantly.
What is the IFSC code of Axis Bank Makhu branch?
The IFSC code of Axis Bank, Makhu branch is UTIB0004279. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0004279 the same for all accounts at Makhu branch?
Yes. The IFSC UTIB0004279 is shared by every account held at Axis Bank's Makhu branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Makhu branch but serve different purposes.
What is the phone number of Axis Bank Makhu branch?
You can reach the branch at 91-9999999999 during regular banking hours.
Where is Axis Bank Makhu branch located?
Axis Bank's Makhu branch is located at GR FLR KHASRA NO. 31M,KHEWAT KHATAUNI 11-34, RLWY RD MAKHU TEHSIL ZIRA, DIST FEROZEPUR 142044, Makhu, Punjab.
How do I add Axis Bank Makhu as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004279, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UTIB0004279 belongs to Axis Bank's MAKHU branch, located at GR FLR KHASRA NO. 31M,KHEWAT KHATAUNI 11-34, RLWY RD MAKHU TEHSIL ZIRA, DIST… in MAKHU, PUNJAB. 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.
