If you are searching for the IFSC code of Axis Bank, THERI branch in MALOUT, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is UTIB0001818. 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 THERI branch, and detailed step-by-step guides for using the IFSC UTIB0001818 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, UTIB0001818 is the IFSC of Axis Bank's THERI branch. The format is fixed: UTIB = bank code, 0 = reserved, 001818 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Theri |
| IFSC Code | UTIB0001818 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, KHASRA NO. 334 ,KHEWAT NO. 46 , VILLAGE THERI, TEHSIL- GIDDERBAHA & DISTRICT -MUKTSAR, PUNJAB- 152107 |
| City | Malout |
| District | Muktsar |
| State | Punjab |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Theri branch in Malout. 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, UTIB0001818.
About this branch
The branch is located at GROUND FLOOR, KHASRA NO. 334 ,KHEWAT NO. 46 , VILLAGE THERI, TEHSIL- GIDDERBAHA & DISTRICT -MUKTSAR, PUNJAB- 152107. It serves the Malout 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 UTIB0001818 is used to identify this branch on the RBI payments network.
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 THERI of Axis Bank — its own 11-character IFSC. The code UTIB0001818 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 UTIB0001818 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC UTIB0001818
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 UTIB0001818 across all three.
How to use IFSC UTIB0001818 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's THERI 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 UTIB0001818.
- Confirm the bank name auto-populates as Axis Bank and the branch as THERI.
- 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 THERI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's THERI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0001818 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank THERI (IFSC UTIB0001818)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001818 in your mobile or internet banking app, and the money is credited to the THERI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0001818 for Axis Bank – THERI, 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 – UTIB0001818 | Yes – UTIB0001818 | Yes – UTIB0001818 |
For most retail customers crediting the Theri 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 THERI branch, the IFSC UTIB0001818 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 Theri branch is mapped to IFSC UTIB0001818 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 UTIB0001818.
Banking services available
The Theri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 UTIB0001818
MICR & cheque-truncation details
Cheques drawn on the Theri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0001818 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC UTIB0001818
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THERI 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 UTIB0001818 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.
Common mistakes to avoid when using IFSC UTIB0001818
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 – THERI, 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:
UTIB0001818. - 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 Theri branch
The branch is located at GROUND FLOOR, KHASRA NO. 334 ,KHEWAT NO. 46 , VILLAGE THERI, TEHSIL- GIDDERBAHA & DISTRICT -MUKTSAR, PUNJAB- 152107, which puts it inside Malout, the broader Muktsar district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Theri branch” — the verified location pin for IFSC UTIB0001818 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 UTIB0001818 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0001818 for Axis Bank – THERI, 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 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 Theri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0001818, however, work 24x7.
Branch address & contact
Axis BankTheri Branch
GROUND FLOOR, KHASRA NO. 334 ,KHEWAT NO. 46 , VILLAGE THERI, TEHSIL- GIDDERBAHA & DISTRICT -MUKTSAR, PUNJAB- 152107
Malout, Punjab
Phone: the branch contact number
IFSC: UTIB0001818
Frequently asked questions
Does Axis Bank Theri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Can I use IFSC UTIB0001818 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001818 to send funds instantly.
How quickly will an NEFT transfer using UTIB0001818 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Theri reflect within 30 minutes.
What is the IFSC code of Axis Bank Theri branch?
The IFSC code of Axis Bank, Theri branch is UTIB0001818. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Axis Bank Theri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0001818, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Theri branch but serve different purposes.
What is the phone number of Axis Bank Theri branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC UTIB0001818 valid for NEFT and RTGS?
Yes. IFSC UTIB0001818 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: UTIB0001818 is the IFSC code of Axis Bank, THERI branch, in MALOUT, PUNJAB. 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.
