IFSC Code of Axis Bank, Moreganj Dal Mandi Pul Saharanpur Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, MOREGANJ DAL MANDI PUL SAHARANPUR branch in SAHARANPUR. The 11-digit IFSC UTIB0003398 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Axis Bank at the MOREGANJ DAL MANDI PUL SAHARANPUR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 MOREGANJ DAL MANDI PUL SAHARANPUR branch, the IFSC UTIB0003398 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003398 identifies this particular branch.

Branch details at a glance

About the bank

Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Moreganj Dal Mandi Pul Saharanpur branch in Saharanpur, Uttar Pradesh is part of this network and uses the IFSC code UTIB0003398 for all electronic settlement.

About this branch

The branch is located at GR FLR NEW NO 13 1975 76 77 ANSARI RD PATRIPANDHOL NADI MOREGANJ DAL MANDIPUL SAHARANPURUP247001. It serves the Saharanpur 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 UTIB0003398 is used to identify this branch on the RBI payments network.

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 MOREGANJ DAL MANDI PUL SAHARANPUR of Axis Bank — its own 11-character IFSC. The code UTIB0003398 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 UTIB0003398 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UTIB0003398

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 UTIB0003398 across all three.

NEFT to Axis Bank, MOREGANJ DAL MANDI PUL SAHARANPUR using IFSC UTIB0003398

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 UTIB0003398, and confirm that the system picks up Axis Bank – MOREGANJ DAL MANDI PUL SAHARANPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MOREGANJ DAL MANDI PUL SAHARANPUR

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's MOREGANJ DAL MANDI PUL SAHARANPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003398 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank MOREGANJ DAL MANDI PUL SAHARANPUR (IFSC UTIB0003398)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003398 in your mobile or internet banking app, and the money is credited to the MOREGANJ DAL MANDI PUL SAHARANPUR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0003398 for Axis Bank – MOREGANJ DAL MANDI PUL SAHARANPUR, 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.

For most retail customers crediting the Moreganj Dal Mandi Pul Saharanpur 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 MOREGANJ DAL MANDI PUL SAHARANPUR branch, the IFSC UTIB0003398 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 Moreganj Dal Mandi Pul Saharanpur branch is mapped to IFSC UTIB0003398 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 UTIB0003398.

Products and services

Customers walking into the Moreganj Dal Mandi Pul Saharanpur 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 UTIB0003398

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 UTIB0003398 and the account number together uniquely identify the Moreganj Dal Mandi Pul Saharanpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC UTIB0003398

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the MOREGANJ DAL MANDI PUL SAHARANPUR 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 UTIB0003398 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.

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 – MOREGANJ DAL MANDI PUL SAHARANPUR:

• The IFSC is exactly UTIB0003398 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 MOREGANJ DAL MANDI PUL SAHARANPUR 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 Moreganj Dal Mandi Pul Saharanpur branch sits at GR FLR NEW NO 13 1975 76 77 ANSARI RD PATRIPANDHOL NADI MOREGANJ DAL MANDIPUL SAHARANPURUP247001. If you are travelling from outside Saharanpur, search for the branch on a maps application using the bank name and locality, or call 132-9917055304 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 UTIB0003398 and your account number.

Verifying IFSC UTIB0003398 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 UTIB0003398 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 132-9917055304.
• 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 Moreganj Dal Mandi Pul Saharanpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003398, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0003398 is the IFSC code of Axis Bank, MOREGANJ DAL MANDI PUL SAHARANPUR branch, in SAHARANPUR, UTTAR PRADESH. 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.