If you are searching for the IFSC code of Axis Bank, GULZARBAGH branch in PATNA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is UTIB0004002. 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 GULZARBAGH branch, and detailed step-by-step guides for using the IFSC UTIB0004002 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.
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 GULZARBAGH branch, the IFSC UTIB0004002 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004002 identifies this particular branch.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gulzarbagh branch in Patna, Bihar is part of this network and uses the IFSC code UTIB0004002 for all electronic settlement.
About this branch
The branch is located at STATION ROAD GULZARBAGH CIRCLE PATNA CITY WARD NO 57 PO GULZARBAGH PS ALAMGANJ. 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 UTIB0004002 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Gulzarbagh |
| IFSC Code | UTIB0004002 |
| MICR Code | Refer to cheque leaf |
| Branch Address | STATION ROAD GULZARBAGH CIRCLE PATNA CITY WARD NO 57 PO GULZARBAGH PS ALAMGANJ |
| City | Patna |
| District | Patna |
| State | Bihar |
| STD Code | 612 |
| Phone | 9771417518 |
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 GULZARBAGH branch came to be assigned the code UTIB0004002.
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 UTIB0004002, money simply cannot be routed to the GULZARBAGH branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Gulzarbagh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC UTIB0004002
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 UTIB0004002 across all three.
NEFT to Axis Bank, GULZARBAGH using IFSC UTIB0004002
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 UTIB0004002, and confirm that the system picks up Axis Bank – GULZARBAGH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to GULZARBAGH
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's GULZARBAGH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004002 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 – GULZARBAGH, use IMPS. With IFSC UTIB0004002 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 UTIB0004002 for Axis Bank – GULZARBAGH, 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 – UTIB0004002 | Yes – UTIB0004002 | Yes – UTIB0004002 |
For most retail customers crediting the Gulzarbagh 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 GULZARBAGH branch, the IFSC UTIB0004002 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.
Products and account variants supported
Every account opened at the Gulzarbagh branch is mapped to IFSC UTIB0004002 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 UTIB0004002.
Products and services
Customers walking into the Gulzarbagh 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 UTIB0004002
Online banking and IFSC UTIB0004002
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the GULZARBAGH 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 UTIB0004002 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.
How to reach the Gulzarbagh branch
The branch is located at STATION ROAD GULZARBAGH CIRCLE PATNA CITY WARD NO 57 PO GULZARBAGH PS ALAMGANJ, which puts it inside Patna, the broader Patna district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Gulzarbagh branch” — the verified location pin for IFSC UTIB0004002 should appear at the top of the results.
- Confirm the branch is open by calling 612-9771417518 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 UTIB0004002 and your account number.
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 – GULZARBAGH:
- The IFSC is exactly UTIB0004002 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 GULZARBAGH 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.
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 Gulzarbagh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004002, however, work 24x7.
Verifying IFSC UTIB0004002 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 UTIB0004002 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 612-9771417518.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankGulzarbagh Branch
STATION ROAD GULZARBAGH CIRCLE PATNA CITY WARD NO 57 PO GULZARBAGH PS ALAMGANJ
Patna, Bihar
Phone: 612-9771417518
IFSC: UTIB0004002
Frequently asked questions
Is IFSC UTIB0004002 valid for NEFT and RTGS?
Yes. IFSC UTIB0004002 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Axis Bank Gulzarbagh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004002, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Axis Bank Gulzarbagh branch located?
Axis Bank's Gulzarbagh branch is located at STATION ROAD GULZARBAGH CIRCLE PATNA CITY WARD NO 57 PO GULZARBAGH PS ALAMGANJ, Patna, Bihar.
How quickly will an NEFT transfer using UTIB0004002 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Gulzarbagh reflect within 30 minutes.
Can I use IFSC UTIB0004002 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004002 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Gulzarbagh branch but serve different purposes.
Final notes
To recap: UTIB0004002 is the IFSC code of Axis Bank, GULZARBAGH branch, in PATNA, BIHAR. 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.
