Below are the complete branch details for Axis Bank, CHOWPATTY, MUMBAI branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0001004. 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 UTIB0001004 for Axis Bank – CHOWPATTY, MUMBAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Axis Bank's CHOWPATTY, MUMBAI branch, the IFSC UTIB0001004 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 001004 identifies this particular branch.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Chowpatty, Mumbai branch in Mumbai. 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, UTIB0001004.
Chowpatty, Mumbai branch overview
Located at SECOND FLOOR , SUMER CHAMBERS, JUNCTION OF PANDITA RAMABHAI MARG & K M MUNSHI MARG, CHOWPATTY, MUMBAI 400 007, the Chowpatty, Mumbai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0001004 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Chowpatty, Mumbai |
| IFSC Code | UTIB0001004 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SECOND FLOOR , SUMER CHAMBERS, JUNCTION OF PANDITA RAMABHAI MARG & K M MUNSHI MARG, CHOWPATTY, MUMBAI 400 007 |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
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 CHOWPATTY, MUMBAI of Axis Bank — its own 11-character IFSC. The code UTIB0001004 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 UTIB0001004 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 UTIB0001004 and the account number together uniquely identify the Chowpatty, Mumbai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0001004
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 UTIB0001004 across all three.
How to use IFSC UTIB0001004 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's CHOWPATTY, MUMBAI 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 UTIB0001004.
- Confirm the bank name auto-populates as Axis Bank and the branch as CHOWPATTY, MUMBAI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0001004
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 – CHOWPATTY, MUMBAI, ensure your bank's portal accepts IFSC UTIB0001004 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank CHOWPATTY, MUMBAI (IFSC UTIB0001004)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001004 in your mobile or internet banking app, and the money is credited to the CHOWPATTY, MUMBAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0001004 for Axis Bank – CHOWPATTY, MUMBAI, 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 – UTIB0001004 | Yes – UTIB0001004 | Yes – UTIB0001004 |
For most retail customers crediting the Chowpatty, Mumbai 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.
UPI payments and IFSC UTIB0001004
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Axis Bank – CHOWPATTY, MUMBAI is still mapped to IFSC UTIB0001004. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UTIB0001004 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chowpatty, Mumbai branch is mapped to IFSC UTIB0001004 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 UTIB0001004.
Banking services available
The Chowpatty, Mumbai 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 UTIB0001004
Digital banking channels
Most day-to-day work that customers used to do at the Chowpatty, Mumbai branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0001004 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Reaching the branch
The Chowpatty, Mumbai branch sits at SECOND FLOOR , SUMER CHAMBERS, JUNCTION OF PANDITA RAMABHAI MARG & K M MUNSHI MARG, CHOWPATTY, MUMBAI 400 007. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTIB0001004 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 – CHOWPATTY, MUMBAI:
- The IFSC is exactly UTIB0001004 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 CHOWPATTY, MUMBAI 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 Chowpatty, Mumbai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0001004, however, work 24x7.
Verifying IFSC UTIB0001004 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 UTIB0001004 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankChowpatty, Mumbai Branch
SECOND FLOOR , SUMER CHAMBERS, JUNCTION OF PANDITA RAMABHAI MARG & K M MUNSHI MARG, CHOWPATTY, MUMBAI 400 007
Mumbai, Maharashtra
Phone: the branch contact number
IFSC: UTIB0001004
Frequently asked questions
Is IFSC UTIB0001004 the same for all accounts at Chowpatty, Mumbai branch?
Yes. The IFSC UTIB0001004 is shared by every account held at Axis Bank's Chowpatty, Mumbai branch. Only the account number changes from customer to customer.
Does Axis Bank Chowpatty, Mumbai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How quickly will an NEFT transfer using UTIB0001004 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Chowpatty, Mumbai reflect within 30 minutes.
How do I add Axis Bank Chowpatty, Mumbai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0001004, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Chowpatty, Mumbai branch located?
Axis Bank's Chowpatty, Mumbai branch is located at SECOND FLOOR , SUMER CHAMBERS, JUNCTION OF PANDITA RAMABHAI MARG & K M MUNSHI MARG, CHOWPATTY, MUMBAI 400 007, Mumbai, Maharashtra.
What is the phone number of Axis Bank Chowpatty, Mumbai branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC UTIB0001004 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001004 to send funds instantly.
Summary
The IFSC code UTIB0001004 belongs to Axis Bank's CHOWPATTY, MUMBAI branch, located at SECOND FLOOR , SUMER CHAMBERS, JUNCTION OF PANDITA RAMABHAI MARG & K M MUNSHI… in MUMBAI, MAHARASHTRA. 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.
