IFSC Code of Axis Bank, Paonta Sahib Branch, Himachal Pradesh

If you are searching for the IFSC code of Axis Bank, PAONTA SAHIB branch in PAONTA SAHIB, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is UTIB0002901. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PAONTA SAHIB branch, and detailed step-by-step guides for using the IFSC UTIB0002901 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – PAONTA SAHIB is UTIB0002901. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002901 map to this branch in PAONTA SAHIB, HIMACHAL PRADESH.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Paonta Sahib branch — IFSC UTIB0002901 — extends the bank's services to customers in and around Paonta Sahib, Himachal Pradesh.

Branch details at a glance

Paonta Sahib branch overview

Located at GROUND FLOOR KHASRA NO 010607 SITUATED AT UPSAMPADA PAONTA SAHIB 2 TEHSIL PAONTA SAHIB 173025, the Paonta Sahib branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0002901 is required for all interbank electronic transfers routed through this branch.

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 PAONTA SAHIB of Axis Bank — its own 11-character IFSC. The code UTIB0002901 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 UTIB0002901 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Paonta Sahib branch is mapped to IFSC UTIB0002901 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 UTIB0002901.

Banking services available

The Paonta Sahib branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1704-224355.

• 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 UTIB0002901

How to transfer money using IFSC UTIB0002901

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 UTIB0002901 across all three.

NEFT to Axis Bank, PAONTA SAHIB using IFSC UTIB0002901

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 UTIB0002901, and confirm that the system picks up Axis Bank – PAONTA SAHIB. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0002901

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 – PAONTA SAHIB, ensure your bank's portal accepts IFSC UTIB0002901 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Axis Bank – PAONTA SAHIB, use IMPS. With IFSC UTIB0002901 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 UTIB0002901 for Axis Bank – PAONTA SAHIB, 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 Paonta Sahib 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 PAONTA SAHIB branch, the IFSC UTIB0002901 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 UTIB0002901

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the PAONTA SAHIB 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 UTIB0002901 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 UTIB0002901 and the account number together uniquely identify the Paonta Sahib 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 UTIB0002901

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 – PAONTA SAHIB, 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: UTIB0002901.
• 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.

How to reach the Paonta Sahib branch

The branch is located at GROUND FLOOR KHASRA NO 010607 SITUATED AT UPSAMPADA PAONTA SAHIB 2 TEHSIL PAONTA SAHIB 173025, which puts it inside Paonta Sahib, the broader Sirmaur district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Paonta Sahib branch” — the verified location pin for IFSC UTIB0002901 should appear at the top of the results.
2. Confirm the branch is open by calling 1704-224355 before stepping out, especially around public holidays.
3. 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 UTIB0002901 and your account number.

Verifying IFSC UTIB0002901 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 UTIB0002901 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1704-224355.
• 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 Paonta Sahib branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0002901, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0002901 belongs to Axis Bank's PAONTA SAHIB branch, located at GROUND FLOOR KHASRA NO 010607 SITUATED AT UPSAMPADA PAONTA SAHIB 2 TEHSIL… in PAONTA SAHIB, HIMACHAL PRADESH. 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.