IFSC Code of Axis Bank, Sec Fifteen Kharghar Branch, Maharashtra

Below are the complete branch details for Axis Bank, SEC FIFTEEN KHARGHAR branch, located in NAVI MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0004721. 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 UTIB0004721 for Axis Bank – SEC FIFTEEN KHARGHAR — 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 SEC FIFTEEN KHARGHAR branch, the IFSC UTIB0004721 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004721 identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sec Fifteen Kharghar branch — IFSC UTIB0004721 — extends the bank's services to customers in and around Navi Mumbai, Maharashtra.

Branch details at a glance

Sec Fifteen Kharghar branch overview

Located at GROUND FLOOR, SHOP NO 8 AND 9,MILLENNIUM EMPIRE, PLOT NO 47, SECTOR 15, KHARGHAR, NAVI MUMBAI, MAHARASHTRA 410210, the Sec Fifteen Kharghar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004721 is required for all interbank electronic transfers routed through this branch.

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 SEC FIFTEEN KHARGHAR branch came to be assigned the code UTIB0004721.

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 UTIB0004721, money simply cannot be routed to the SEC FIFTEEN KHARGHAR branch electronically.

Products and account variants supported

Every account opened at the Sec Fifteen Kharghar branch is mapped to IFSC UTIB0004721 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 UTIB0004721.

Products and services

Customers walking into the Sec Fifteen Kharghar 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 UTIB0004721

How to transfer money using IFSC UTIB0004721

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 UTIB0004721 across all three.

How to use IFSC UTIB0004721 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SEC FIFTEEN KHARGHAR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0004721.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SEC FIFTEEN KHARGHAR.
5. 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 SEC FIFTEEN KHARGHAR

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SEC FIFTEEN KHARGHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004721 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank SEC FIFTEEN KHARGHAR (IFSC UTIB0004721)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004721 in your mobile or internet banking app, and the money is credited to the SEC FIFTEEN KHARGHAR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0004721 for Axis Bank – SEC FIFTEEN KHARGHAR, 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.

For most retail customers crediting the Sec Fifteen Kharghar 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 UTIB0004721

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 – SEC FIFTEEN KHARGHAR is still mapped to IFSC UTIB0004721. 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 UTIB0004721 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTIB0004721

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SEC FIFTEEN KHARGHAR 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 UTIB0004721 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 & cheque-truncation details

Cheques drawn on the Sec Fifteen Kharghar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004721 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UTIB0004721

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 – SEC FIFTEEN KHARGHAR, 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: UTIB0004721.
• 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 Sec Fifteen Kharghar branch sits at GROUND FLOOR, SHOP NO 8 AND 9,MILLENNIUM EMPIRE, PLOT NO 47, SECTOR 15, KHARGHAR, NAVI MUMBAI, MAHARASHTRA 410210. If you are travelling from outside Navi Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-9930064145 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 UTIB0004721 and your account number.

Verifying IFSC UTIB0004721 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 UTIB0004721 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-9930064145.
• 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 Sec Fifteen Kharghar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004721, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0004721 is the IFSC code of Axis Bank, SEC FIFTEEN KHARGHAR 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.