Below are the complete branch details for Axis Bank, PANJLASHA branch, located in NARAINGARH, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0002108. 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 UTIB0002108 for Axis Bank – PANJLASHA — 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, UTIB0002108 is the IFSC of Axis Bank's PANJLASHA branch. The format is fixed: UTIB = bank code, 0 = reserved, 002108 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Panjlasha branch in Naraingarh, Haryana is part of this network and uses the IFSC code UTIB0002108 for all electronic settlement.
About the Panjlasha branch
The Panjlasha branch of Axis Bank is situated at KHEWAT NO. 200, KHATAUNI NO. 238, KHASRA NO. 36//15(3-16), HADBAST NO. 96, TEHSIL NARAINGARH, DISTT. AMBALA, AMBALA-134203. 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 UTIB0002108 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Panjlasha |
| IFSC Code | UTIB0002108 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KHEWAT NO. 200, KHATAUNI NO. 238, KHASRA NO. 36//15(3-16), HADBAST NO. 96, TEHSIL NARAINGARH, DISTT. AMBALA, AMBALA-134203 |
| City | Naraingarh |
| District | Ambala |
| State | Haryana |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's PANJLASHA branch came to be assigned the code UTIB0002108.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0002108, money simply cannot be routed to the PANJLASHA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Panjlasha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002108 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0002108
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 UTIB0002108 across all three.
NEFT to Axis Bank, PANJLASHA using IFSC UTIB0002108
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 UTIB0002108, and confirm that the system picks up Axis Bank – PANJLASHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PANJLASHA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's PANJLASHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002108 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 – PANJLASHA, use IMPS. With IFSC UTIB0002108 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 UTIB0002108 for Axis Bank – PANJLASHA, 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 – UTIB0002108 | Yes – UTIB0002108 | Yes – UTIB0002108 |
For most retail customers crediting the Panjlasha 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 PANJLASHA branch, the IFSC UTIB0002108 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 Panjlasha branch is mapped to IFSC UTIB0002108 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 UTIB0002108.
Products and services
Customers walking into the Panjlasha 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 UTIB0002108
Digital banking channels
Most day-to-day work that customers used to do at the Panjlasha 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 UTIB0002108 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.
How to reach the Panjlasha branch
The branch is located at KHEWAT NO. 200, KHATAUNI NO. 238, KHASRA NO. 36//15(3-16), HADBAST NO. 96, TEHSIL NARAINGARH, DISTT. AMBALA, AMBALA-134203, which puts it inside Naraingarh, the broader Ambala district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Panjlasha branch” — the verified location pin for IFSC UTIB0002108 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 UTIB0002108 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 – PANJLASHA:
- The IFSC is exactly UTIB0002108 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 PANJLASHA 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.
Working hours
Branch counters at Panjlasha 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 UTIB0002108 continue to work without interruption.
Verifying IFSC UTIB0002108 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 UTIB0002108 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 BankPanjlasha Branch
KHEWAT NO. 200, KHATAUNI NO. 238, KHASRA NO. 36//15(3-16), HADBAST NO. 96, TEHSIL NARAINGARH, DISTT. AMBALA, AMBALA-134203
Naraingarh, Haryana
Phone: the branch contact number
IFSC: UTIB0002108
Frequently asked questions
Where is Axis Bank Panjlasha branch located?
Axis Bank's Panjlasha branch is located at KHEWAT NO. 200, KHATAUNI NO. 238, KHASRA NO. 36//15(3-16), HADBAST NO. 96, TEHSIL NARAINGARH, DISTT. AMBALA, AMBALA-134203, Naraingarh, Haryana.
Can I use IFSC UTIB0002108 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002108 to send funds instantly.
How quickly will an NEFT transfer using UTIB0002108 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Panjlasha reflect within 30 minutes.
Does Axis Bank Panjlasha branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
What is the phone number of Axis Bank Panjlasha branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add Axis Bank Panjlasha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002108, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Axis Bank Panjlasha branch?
The IFSC code of Axis Bank, Panjlasha branch is UTIB0002108. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UTIB0002108 belongs to Axis Bank's PANJLASHA branch, located at KHEWAT NO. 200, KHATAUNI NO. 238, KHASRA NO. 36//15(3-16), HADBAST NO. 96,… in NARAINGARH, HARYANA. 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.
