Use this page as a one-stop reference for everything related to Axis Bank's KOPERKHAIRNE branch in NAVI MUMBAI, MAHARASHTRA. The branch's IFSC code UTIB0004684 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Axis Bank – KOPERKHAIRNE is UTIB0004684. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004684 map to this branch in NAVI MUMBAI, MAHARASHTRA.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Koperkhairne |
| IFSC Code | UTIB0004684 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SHOP NO 2, 3, 4, DHARA COMPLEX, SECTOR 44 A, NERUL WEST, NAVI MUMBAI 400706 |
| City | Navi Mumbai |
| District | Thane |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 9799309999 |
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Koperkhairne branch in Navi Mumbai, Maharashtra is part of this network and uses the IFSC code UTIB0004684 for all electronic settlement.
About this branch
The branch is located at GROUND FLOOR, SHOP NO 2, 3, 4, DHARA COMPLEX, SECTOR 44 A, NERUL WEST, NAVI MUMBAI 400706. It serves the Navi 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 UTIB0004684 is used to identify this branch on the RBI payments network.
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 KOPERKHAIRNE branch came to be assigned the code UTIB0004684.
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 UTIB0004684, money simply cannot be routed to the KOPERKHAIRNE branch electronically.
How to transfer money using IFSC UTIB0004684
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 UTIB0004684 across all three.
NEFT to Axis Bank, KOPERKHAIRNE using IFSC UTIB0004684
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 UTIB0004684, and confirm that the system picks up Axis Bank – KOPERKHAIRNE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0004684
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 – KOPERKHAIRNE, ensure your bank's portal accepts IFSC UTIB0004684 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – KOPERKHAIRNE, use IMPS. With IFSC UTIB0004684 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Koperkhairne
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0004684:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at KOPERKHAIRNE is still linked to IFSC UTIB0004684.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC UTIB0004684
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 – KOPERKHAIRNE is still mapped to IFSC UTIB0004684. 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 UTIB0004684 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Koperkhairne branch is mapped to IFSC UTIB0004684 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 UTIB0004684.
Banking services available
The Koperkhairne branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-9799309999.
- 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 UTIB0004684
MICR & cheque-truncation details
Cheques drawn on the Koperkhairne branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004684 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Koperkhairne 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 UTIB0004684 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.
Common mistakes to avoid when using IFSC UTIB0004684
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 – KOPERKHAIRNE, 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:
UTIB0004684. - 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 Koperkhairne branch sits at GROUND FLOOR, SHOP NO 2, 3, 4, DHARA COMPLEX, SECTOR 44 A, NERUL WEST, NAVI MUMBAI 400706. If you are travelling from outside Navi Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-9799309999 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 UTIB0004684 and your account number.
Verifying IFSC UTIB0004684 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 UTIB0004684 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-9799309999.
- 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 Koperkhairne branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004684, however, work 24x7.
Branch address & contact
Axis BankKoperkhairne Branch
GROUND FLOOR, SHOP NO 2, 3, 4, DHARA COMPLEX, SECTOR 44 A, NERUL WEST, NAVI MUMBAI 400706
Navi Mumbai, Maharashtra
Phone: 22-9799309999
IFSC: UTIB0004684
Frequently asked questions
Is IFSC UTIB0004684 valid for NEFT and RTGS?
Yes. IFSC UTIB0004684 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0004684 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Koperkhairne reflect within 30 minutes.
What is the phone number of Axis Bank Koperkhairne branch?
You can reach the branch at 22-9799309999 during regular banking hours.
How do I add Axis Bank Koperkhairne as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004684, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC UTIB0004684 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004684 to send funds instantly.
What is the IFSC code of Axis Bank Koperkhairne branch?
The IFSC code of Axis Bank, Koperkhairne branch is UTIB0004684. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Axis Bank Koperkhairne branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-9799309999 to confirm.
Is IFSC UTIB0004684 the same for all accounts at Koperkhairne branch?
Yes. The IFSC UTIB0004684 is shared by every account held at Axis Bank's Koperkhairne branch. Only the account number changes from customer to customer.
Final notes
To recap: UTIB0004684 is the IFSC code of Axis Bank, KOPERKHAIRNE branch, in NAVI 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.
