Use this page as a one-stop reference for everything related to Axis Bank's PHILLAUR branch in PHILLAUR, PUNJAB. The branch's IFSC code UTIB0001279 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, UTIB0001279 is the IFSC of Axis Bank's PHILLAUR branch. The format is fixed: UTIB = bank code, 0 = reserved, 001279 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Phillaur branch in Phillaur, Punjab is part of this network and uses the IFSC code UTIB0001279 for all electronic settlement.
About the Phillaur branch
The Phillaur branch of Axis Bank is situated at GROUND FLOOR, KHATA NO. 287/352, 353,KHASRA NO.1182/355, 1183/355, MUNICIPAL NO.B-8/48,VILLAGE RAMGARH, NURMAHAL ROAD , PHILLAUR,DIST. JALANDHAR, PUNJAB , PIN 144410.. 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 UTIB0001279 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Phillaur |
| IFSC Code | UTIB0001279 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, KHATA NO. 287/352, 353,KHASRA NO.1182/355, 1183/355, MUNICIPAL NO.B-8/48,VILLAGE RAMGARH, NURMAHAL ROAD , PHILLAUR,DIST. JALANDHAR, PUNJAB , PIN 144410. |
| City | Phillaur |
| District | Jalandhar |
| State | Punjab |
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 PHILLAUR branch came to be assigned the code UTIB0001279.
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 UTIB0001279, money simply cannot be routed to the PHILLAUR branch electronically.
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 UTIB0001279 and the account number together uniquely identify the Phillaur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0001279
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 UTIB0001279 across all three.
How to use IFSC UTIB0001279 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's PHILLAUR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0001279.
- Confirm the bank name auto-populates as Axis Bank and the branch as PHILLAUR.
- 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 PHILLAUR
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's PHILLAUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0001279 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank PHILLAUR (IFSC UTIB0001279)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0001279 in your mobile or internet banking app, and the money is credited to the PHILLAUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Phillaur
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 UTIB0001279:
- 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 PHILLAUR is still linked to IFSC UTIB0001279.
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.
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 PHILLAUR branch, the IFSC UTIB0001279 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 Phillaur branch is mapped to IFSC UTIB0001279 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 UTIB0001279.
Banking services available
The Phillaur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 UTIB0001279
Online banking and IFSC UTIB0001279
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the PHILLAUR 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 UTIB0001279 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.
Reaching the branch
The Phillaur branch sits at GROUND FLOOR, KHATA NO. 287/352, 353,KHASRA NO.1182/355, 1183/355, MUNICIPAL NO.B-8/48,VILLAGE RAMGARH, NURMAHAL ROAD , PHILLAUR,DIST. JALANDHAR, PUNJAB , PIN 144410.. If you are travelling from outside Phillaur, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 UTIB0001279 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 – PHILLAUR:
- The IFSC is exactly UTIB0001279 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 PHILLAUR 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 Phillaur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0001279, however, work 24x7.
Verifying IFSC UTIB0001279 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 UTIB0001279 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankPhillaur Branch
GROUND FLOOR, KHATA NO. 287/352, 353,KHASRA NO.1182/355, 1183/355, MUNICIPAL NO.B-8/48,VILLAGE RAMGARH, NURMAHAL ROAD , PHILLAUR,DIST. JALANDHAR, PUNJAB , PIN 144410.
Phillaur, Punjab
Phone: the branch contact number
IFSC: UTIB0001279
Frequently asked questions
Where is Axis Bank Phillaur branch located?
Axis Bank's Phillaur branch is located at GROUND FLOOR, KHATA NO. 287/352, 353,KHASRA NO.1182/355, 1183/355, MUNICIPAL NO.B-8/48,VILLAGE RAMGARH, NURMAHAL ROAD , PHILLAUR,DIST. JALANDHAR, PUNJAB , PIN 144410., Phillaur, Punjab.
How quickly will an NEFT transfer using UTIB0001279 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Phillaur reflect within 30 minutes.
Is IFSC UTIB0001279 the same for all accounts at Phillaur branch?
Yes. The IFSC UTIB0001279 is shared by every account held at Axis Bank's Phillaur branch. Only the account number changes from customer to customer.
Is IFSC UTIB0001279 valid for NEFT and RTGS?
Yes. IFSC UTIB0001279 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Axis Bank Phillaur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0001279, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Phillaur branch but serve different purposes.
Does Axis Bank Phillaur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Can I use IFSC UTIB0001279 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0001279 to send funds instantly.
Final notes
To recap: UTIB0001279 is the IFSC code of Axis Bank, PHILLAUR branch, in PHILLAUR, PUNJAB. 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.
