Below are the complete branch details for Axis Bank, SUJANPUR branch, located in PATHANKOT, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0004115. 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 UTIB0004115 for Axis Bank – SUJANPUR — 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, UTIB0004115 is the IFSC of Axis Bank's SUJANPUR branch. The format is fixed: UTIB = bank code, 0 = reserved, 004115 = branch identifier.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sujanpur branch — IFSC UTIB0004115 — extends the bank's services to customers in and around Pathankot, Punjab.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Sujanpur |
| IFSC Code | UTIB0004115 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR NEAR SHIV MANDIR SUJANPUR 145023 |
| City | Pathankot |
| District | Pathankot |
| State | Punjab |
| STD Code | 91 |
| Phone | 91 |
About the Sujanpur branch
The Sujanpur branch of Axis Bank is situated at GROUND FLOOR NEAR SHIV MANDIR SUJANPUR 145023. 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 UTIB0004115 is used.
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 SUJANPUR branch came to be assigned the code UTIB0004115.
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 UTIB0004115, money simply cannot be routed to the SUJANPUR branch electronically.
Products and account variants supported
Every account opened at the Sujanpur branch is mapped to IFSC UTIB0004115 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 UTIB0004115.
Banking services available
The Sujanpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-91.
- 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 UTIB0004115
How to transfer money using IFSC UTIB0004115
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 UTIB0004115 across all three.
NEFT to Axis Bank, SUJANPUR using IFSC UTIB0004115
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 UTIB0004115, and confirm that the system picks up Axis Bank – SUJANPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SUJANPUR
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SUJANPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004115 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 – SUJANPUR, use IMPS. With IFSC UTIB0004115 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 UTIB0004115 for Axis Bank – SUJANPUR, 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 – UTIB0004115 | Yes – UTIB0004115 | Yes – UTIB0004115 |
For most retail customers crediting the Sujanpur 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 UTIB0004115
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 – SUJANPUR is still mapped to IFSC UTIB0004115. 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 UTIB0004115 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Sujanpur 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 UTIB0004115 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.
MICR & cheque-truncation details
Cheques drawn on the Sujanpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004115 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 UTIB0004115
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 – SUJANPUR, 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:
UTIB0004115. - 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 Sujanpur branch
The branch is located at GROUND FLOOR NEAR SHIV MANDIR SUJANPUR 145023, which puts it inside Pathankot, the broader Pathankot district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Sujanpur branch” — the verified location pin for IFSC UTIB0004115 should appear at the top of the results.
- Confirm the branch is open by calling 91-91 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 UTIB0004115 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0004115 for Axis Bank – SUJANPUR, 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.
Working hours
Branch counters at Sujanpur 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 UTIB0004115 continue to work without interruption.
Branch address & contact
Axis BankSujanpur Branch
GROUND FLOOR NEAR SHIV MANDIR SUJANPUR 145023
Pathankot, Punjab
Phone: 91-91
IFSC: UTIB0004115
Frequently asked questions
How do I add Axis Bank Sujanpur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004115, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0004115 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Sujanpur reflect within 30 minutes.
What is the phone number of Axis Bank Sujanpur branch?
You can reach the branch at 91-91 during regular banking hours.
Can I use IFSC UTIB0004115 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004115 to send funds instantly.
Is IFSC UTIB0004115 valid for NEFT and RTGS?
Yes. IFSC UTIB0004115 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Axis Bank Sujanpur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-91 to confirm.
What is the IFSC code of Axis Bank Sujanpur branch?
The IFSC code of Axis Bank, Sujanpur branch is UTIB0004115. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0004115 the same for all accounts at Sujanpur branch?
Yes. The IFSC UTIB0004115 is shared by every account held at Axis Bank's Sujanpur branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0004115 belongs to Axis Bank's SUJANPUR branch, located at GROUND FLOOR NEAR SHIV MANDIR SUJANPUR 145023 in PATHANKOT, PUNJAB. 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.
