IFSC Code of Axis Bank, Gandhi Maidan Branch, Bihar

If you are searching for the IFSC code of Axis Bank, GANDHI MAIDAN branch in PATNA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UTIB0003494. 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 GANDHI MAIDAN branch, and detailed step-by-step guides for using the IFSC UTIB0003494 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 – GANDHI MAIDAN is UTIB0003494. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003494 map to this branch in PATNA, BIHAR.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Gandhi Maidan branch — IFSC UTIB0003494 — extends the bank's services to customers in and around Patna, Bihar.

Branch details at a glance

About this branch

The branch is located at SOUTH GANDHI MAIDAN ROAD TWIN TOWER PATNA. It serves the Patna 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 UTIB0003494 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 GANDHI MAIDAN branch came to be assigned the code UTIB0003494.

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 UTIB0003494, money simply cannot be routed to the GANDHI MAIDAN branch electronically.

Account types you can open at the Gandhi Maidan branch

Once you have an account at Axis Bank – GANDHI MAIDAN, the IFSC UTIB0003494 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Gandhi Maidan 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 UTIB0003494

How to transfer money using IFSC UTIB0003494

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 UTIB0003494 across all three.

How to use IFSC UTIB0003494 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's GANDHI MAIDAN 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 UTIB0003494.
4. Confirm the bank name auto-populates as Axis Bank and the branch as GANDHI MAIDAN.
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 GANDHI MAIDAN

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GANDHI MAIDAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003494 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank GANDHI MAIDAN (IFSC UTIB0003494)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003494 in your mobile or internet banking app, and the money is credited to the GANDHI MAIDAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gandhi Maidan

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 UTIB0003494:

• 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 GANDHI MAIDAN is still linked to IFSC UTIB0003494.

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 UTIB0003494

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 – GANDHI MAIDAN is still mapped to IFSC UTIB0003494. 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 UTIB0003494 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 Gandhi Maidan 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 UTIB0003494 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 Gandhi Maidan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003494 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Axis Bank – GANDHI MAIDAN:

• The IFSC is exactly UTIB0003494 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Axis Bank as the bank name and GANDHI MAIDAN as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Gandhi Maidan branch sits at SOUTH GANDHI MAIDAN ROAD TWIN TOWER PATNA. If you are travelling from outside Patna, search for the branch on a maps application using the bank name and locality, or call 612-9570714832 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 UTIB0003494 and your account number.

Verifying IFSC UTIB0003494 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 UTIB0003494 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 612-9570714832.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Gandhi Maidan 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 UTIB0003494 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0003494 belongs to Axis Bank's GANDHI MAIDAN branch, located at SOUTH GANDHI MAIDAN ROAD TWIN TOWER PATNA in PATNA, BIHAR. 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.