Below are the complete branch details for Axis Bank, NAVAGAM branch, located in NAVAGAM, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0001306. 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 UTIB0001306 for Axis Bank – NAVAGAM — 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 NAVAGAM branch, the IFSC UTIB0001306 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 001306 identifies this particular branch.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Navagam branch in Navagam, Gujarat is part of this network and uses the IFSC code UTIB0001306 for all electronic settlement.
Navagam branch overview
Located at SHIVNAGAR PLOT 12,13 & 14, NR. NAVSARJAN SOCIETY, KAMREJ SURAT ROAD,NAVAGAM, KAMREJ CHAR RASTA, KAMREJ - 394 180, the Navagam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0001306 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Navagam |
| IFSC Code | UTIB0001306 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHIVNAGAR PLOT 12,13 & 14, NR. NAVSARJAN SOCIETY, KAMREJ SURAT ROAD,NAVAGAM, KAMREJ CHAR RASTA, KAMREJ - 394 180 |
| City | Navagam |
| District | Dahod |
| State | Gujarat |
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 NAVAGAM branch came to be assigned the code UTIB0001306.
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 UTIB0001306, money simply cannot be routed to the NAVAGAM branch electronically.
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 UTIB0001306 and the account number together uniquely identify the Navagam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0001306
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 UTIB0001306 across all three.
NEFT to Axis Bank, NAVAGAM using IFSC UTIB0001306
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 UTIB0001306, and confirm that the system picks up Axis Bank – NAVAGAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0001306
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 – NAVAGAM, ensure your bank's portal accepts IFSC UTIB0001306 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank NAVAGAM (IFSC UTIB0001306)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001306 in your mobile or internet banking app, and the money is credited to the NAVAGAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0001306 for Axis Bank – NAVAGAM, 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 – UTIB0001306 | Yes – UTIB0001306 | Yes – UTIB0001306 |
For most retail customers crediting the Navagam 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 UTIB0001306
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 – NAVAGAM is still mapped to IFSC UTIB0001306. 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 UTIB0001306 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Navagam branch is mapped to IFSC UTIB0001306 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 UTIB0001306.
Banking services available
The Navagam 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 UTIB0001306
Online banking and IFSC UTIB0001306
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the NAVAGAM 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 UTIB0001306 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.
How to reach the Navagam branch
The branch is located at SHIVNAGAR PLOT 12,13 & 14, NR. NAVSARJAN SOCIETY, KAMREJ SURAT ROAD,NAVAGAM, KAMREJ CHAR RASTA, KAMREJ - 394 180, which puts it inside Navagam, the broader Dahod district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Navagam branch” — the verified location pin for IFSC UTIB0001306 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 UTIB0001306 and your account number.
Common mistakes to avoid when using IFSC UTIB0001306
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 – NAVAGAM, 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:
UTIB0001306. - 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.
Working hours
Branch counters at Navagam 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 UTIB0001306 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0001306 for Axis Bank – NAVAGAM, 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 BankNavagam Branch
SHIVNAGAR PLOT 12,13 & 14, NR. NAVSARJAN SOCIETY, KAMREJ SURAT ROAD,NAVAGAM, KAMREJ CHAR RASTA, KAMREJ - 394 180
Navagam, Gujarat
Phone: the branch contact number
IFSC: UTIB0001306
Frequently asked questions
What is the phone number of Axis Bank Navagam branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using UTIB0001306 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Navagam reflect within 30 minutes.
Where is Axis Bank Navagam branch located?
Axis Bank's Navagam branch is located at SHIVNAGAR PLOT 12,13 & 14, NR. NAVSARJAN SOCIETY, KAMREJ SURAT ROAD,NAVAGAM, KAMREJ CHAR RASTA, KAMREJ - 394 180, Navagam, Gujarat.
Is IFSC UTIB0001306 valid for NEFT and RTGS?
Yes. IFSC UTIB0001306 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC UTIB0001306 the same for all accounts at Navagam branch?
Yes. The IFSC UTIB0001306 is shared by every account held at Axis Bank's Navagam branch. Only the account number changes from customer to customer.
Can I use IFSC UTIB0001306 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001306 to send funds instantly.
Summary
The IFSC code UTIB0001306 belongs to Axis Bank's NAVAGAM branch, located at SHIVNAGAR PLOT 12,13 & 14, NR. NAVSARJAN SOCIETY, KAMREJ SURAT ROAD,NAVAGAM,… in NAVAGAM, GUJARAT. 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.
