Use this page as a one-stop reference for everything related to Axis Bank's SHER E PUNJAB ANDHERI EAST branch in MUMBAI, MAHARASHTRA. The branch's IFSC code UTIB0004888 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, UTIB0004888 is the IFSC of Axis Bank's SHER E PUNJAB ANDHERI EAST branch. The format is fixed: UTIB = bank code, 0 = reserved, 004888 = branch identifier.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sher E Punjab Andheri East branch — IFSC UTIB0004888 — extends the bank's services to customers in and around Mumbai, Maharashtra.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Sher E Punjab Andheri East |
| IFSC Code | UTIB0004888 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, PLOT NO 278, MANCHANDA NIWAS, MAHAKALI CAVES ROAD, ANDHERI EAST |
| City | Mumbai |
| District | Mumbai |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 9820353637 |
About this branch
The branch is located at GROUND FLOOR, PLOT NO 278, MANCHANDA NIWAS, MAHAKALI CAVES ROAD, ANDHERI EAST. It serves the Mumbai 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 UTIB0004888 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 SHER E PUNJAB ANDHERI EAST of Axis Bank — its own 11-character IFSC. The code UTIB0004888 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 UTIB0004888 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Sher E Punjab Andheri East branch
Once you have an account at Axis Bank – SHER E PUNJAB ANDHERI EAST, the IFSC UTIB0004888 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Sher E Punjab Andheri East 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 UTIB0004888
How to transfer money using IFSC UTIB0004888
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 UTIB0004888 across all three.
How to use IFSC UTIB0004888 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SHER E PUNJAB ANDHERI EAST 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 UTIB0004888.
- Confirm the bank name auto-populates as Axis Bank and the branch as SHER E PUNJAB ANDHERI EAST.
- 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 SHER E PUNJAB ANDHERI EAST
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SHER E PUNJAB ANDHERI EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004888 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – SHER E PUNJAB ANDHERI EAST, use IMPS. With IFSC UTIB0004888 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0004888 for Axis Bank – SHER E PUNJAB ANDHERI EAST, 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 – UTIB0004888 | Yes – UTIB0004888 | Yes – UTIB0004888 |
For most retail customers crediting the Sher E Punjab Andheri East 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 SHER E PUNJAB ANDHERI EAST branch, the IFSC UTIB0004888 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 UTIB0004888
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SHER E PUNJAB ANDHERI EAST 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 UTIB0004888 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 UTIB0004888 and the account number together uniquely identify the Sher E Punjab Andheri East 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 UTIB0004888
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 – SHER E PUNJAB ANDHERI EAST, 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:
UTIB0004888. - 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.
Reaching the branch
The Sher E Punjab Andheri East branch sits at GROUND FLOOR, PLOT NO 278, MANCHANDA NIWAS, MAHAKALI CAVES ROAD, ANDHERI EAST. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-9820353637 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 UTIB0004888 and your account number.
Verifying IFSC UTIB0004888 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 UTIB0004888 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-9820353637.
- Visiting the bank's official branch locator page.
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 Sher E Punjab Andheri East branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004888, however, work 24x7.
Branch address & contact
Axis BankSher E Punjab Andheri East Branch
GROUND FLOOR, PLOT NO 278, MANCHANDA NIWAS, MAHAKALI CAVES ROAD, ANDHERI EAST
Mumbai, Maharashtra
Phone: 22-9820353637
IFSC: UTIB0004888
Frequently asked questions
What is the IFSC code of Axis Bank Sher E Punjab Andheri East branch?
The IFSC code of Axis Bank, Sher E Punjab Andheri East branch is UTIB0004888. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using UTIB0004888 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Sher E Punjab Andheri East reflect within 30 minutes.
What is the phone number of Axis Bank Sher E Punjab Andheri East branch?
You can reach the branch at 22-9820353637 during regular banking hours.
How do I add Axis Bank Sher E Punjab Andheri East as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004888, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0004888 the same for all accounts at Sher E Punjab Andheri East branch?
Yes. The IFSC UTIB0004888 is shared by every account held at Axis Bank's Sher E Punjab Andheri East branch. Only the account number changes from customer to customer.
Can I use IFSC UTIB0004888 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004888 to send funds instantly.
Final notes
To recap: UTIB0004888 is the IFSC code of Axis Bank, SHER E PUNJAB ANDHERI EAST branch, in MUMBAI, MAHARASHTRA. 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.
