Below are the complete branch details for Axis Bank, SARASWATI SHISHU MANDIRCHOWK RANCHI branch, located in RANCHI, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0005312. 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 UTIB0005312 for Axis Bank – SARASWATI SHISHU MANDIRCHOWK RANCHI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 SARASWATI SHISHU MANDIRCHOWK RANCHI branch, the IFSC UTIB0005312 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005312 identifies this particular branch.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Saraswati Shishu Mandirchowk Ranchi branch — IFSC UTIB0005312 — extends the bank's services to customers in and around Ranchi, Jharkhand.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Saraswati Shishu Mandirchowk Ranchi |
| IFSC Code | UTIB0005312 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER GROUND FLOOR,SHRI NIWAS,LOWER CHUTIA,NEAR SARASWATI SHISHU VIDYA MANDIR |
| City | Ranchi |
| District | Ranchi |
| State | Jharkhand |
| STD Code | 651 |
| Phone | 9852760778 |
About the Saraswati Shishu Mandirchowk Ranchi branch
The Saraswati Shishu Mandirchowk Ranchi branch of Axis Bank is situated at UPPER GROUND FLOOR,SHRI NIWAS,LOWER CHUTIA,NEAR SARASWATI SHISHU VIDYA MANDIR. 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 UTIB0005312 is used.
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 SARASWATI SHISHU MANDIRCHOWK RANCHI of Axis Bank — its own 11-character IFSC. The code UTIB0005312 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 UTIB0005312 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 Saraswati Shishu Mandirchowk Ranchi branch is mapped to IFSC UTIB0005312 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 UTIB0005312.
Products and services
Customers walking into the Saraswati Shishu Mandirchowk Ranchi 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 UTIB0005312
How to transfer money using IFSC UTIB0005312
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 UTIB0005312 across all three.
How to use IFSC UTIB0005312 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SARASWATI SHISHU MANDIRCHOWK RANCHI 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 UTIB0005312.
- Confirm the bank name auto-populates as Axis Bank and the branch as SARASWATI SHISHU MANDIRCHOWK RANCHI.
- 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 SARASWATI SHISHU MANDIRCHOWK RANCHI
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SARASWATI SHISHU MANDIRCHOWK RANCHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005312 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 – SARASWATI SHISHU MANDIRCHOWK RANCHI, use IMPS. With IFSC UTIB0005312 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 UTIB0005312 for Axis Bank – SARASWATI SHISHU MANDIRCHOWK RANCHI, 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 – UTIB0005312 | Yes – UTIB0005312 | Yes – UTIB0005312 |
For most retail customers crediting the Saraswati Shishu Mandirchowk Ranchi 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 UTIB0005312
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 – SARASWATI SHISHU MANDIRCHOWK RANCHI is still mapped to IFSC UTIB0005312. 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 UTIB0005312 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0005312
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SARASWATI SHISHU MANDIRCHOWK RANCHI 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 UTIB0005312 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 UTIB0005312 and the account number together uniquely identify the Saraswati Shishu Mandirchowk Ranchi 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 UTIB0005312
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 – SARASWATI SHISHU MANDIRCHOWK RANCHI, 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:
UTIB0005312. - 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.
Reaching the branch
The Saraswati Shishu Mandirchowk Ranchi branch sits at UPPER GROUND FLOOR,SHRI NIWAS,LOWER CHUTIA,NEAR SARASWATI SHISHU VIDYA MANDIR. If you are travelling from outside Ranchi, search for the branch on a maps application using the bank name and locality, or call 651-9852760778 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 UTIB0005312 and your account number.
Verifying IFSC UTIB0005312 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 UTIB0005312 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 651-9852760778.
- 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 Saraswati Shishu Mandirchowk Ranchi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005312, however, work 24x7.
Branch address & contact
Axis BankSaraswati Shishu Mandirchowk Ranchi Branch
UPPER GROUND FLOOR,SHRI NIWAS,LOWER CHUTIA,NEAR SARASWATI SHISHU VIDYA MANDIR
Ranchi, Jharkhand
Phone: 651-9852760778
IFSC: UTIB0005312
Frequently asked questions
How do I add Axis Bank Saraswati Shishu Mandirchowk Ranchi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005312, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Saraswati Shishu Mandirchowk Ranchi branch?
You can reach the branch at 651-9852760778 during regular banking hours.
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 Saraswati Shishu Mandirchowk Ranchi branch but serve different purposes.
Where is Axis Bank Saraswati Shishu Mandirchowk Ranchi branch located?
Axis Bank's Saraswati Shishu Mandirchowk Ranchi branch is located at UPPER GROUND FLOOR,SHRI NIWAS,LOWER CHUTIA,NEAR SARASWATI SHISHU VIDYA MANDIR, Ranchi, Jharkhand.
Does Axis Bank Saraswati Shishu Mandirchowk Ranchi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 651-9852760778 to confirm.
How quickly will an NEFT transfer using UTIB0005312 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Saraswati Shishu Mandirchowk Ranchi reflect within 30 minutes.
What is the IFSC code of Axis Bank Saraswati Shishu Mandirchowk Ranchi branch?
The IFSC code of Axis Bank, Saraswati Shishu Mandirchowk Ranchi branch is UTIB0005312. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code UTIB0005312 belongs to Axis Bank's SARASWATI SHISHU MANDIRCHOWK RANCHI branch, located at UPPER GROUND FLOOR,SHRI NIWAS,LOWER CHUTIA,NEAR SARASWATI SHISHU VIDYA MANDIR in RANCHI, JHARKHAND. 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.
