Below are the complete branch details for Axis Bank, SARANGARH branch, located in SARANGARH, CHANDIGARH. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0004351. 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 UTIB0004351 for Axis Bank – SARANGARH — 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 SARANGARH branch, the IFSC UTIB0004351 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004351 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 Sarangarh branch in Sarangarh, Chandigarh is part of this network and uses the IFSC code UTIB0004351 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Sarangarh |
| IFSC Code | UTIB0004351 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SHRI GANESH RICE MILL,GROUND FLOOR, SHRI GANESH RICE MILL,DIST RAIGARH, CG,PIN 496445 |
| City | Sarangarh |
| District | Raigarh |
| State | Chandigarh |
| STD Code | 7768 |
| Phone | 9827468578 |
About the Sarangarh branch
The Sarangarh branch of Axis Bank is situated at GROUND FLOOR, SHRI GANESH RICE MILL,GROUND FLOOR, SHRI GANESH RICE MILL,DIST RAIGARH, CG,PIN 496445. 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 UTIB0004351 is used.
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 SARANGARH branch came to be assigned the code UTIB0004351.
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 UTIB0004351, money simply cannot be routed to the SARANGARH branch electronically.
Account types you can open at the Sarangarh branch
Once you have an account at Axis Bank – SARANGARH, the IFSC UTIB0004351 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 Sarangarh 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 UTIB0004351
How to transfer money using IFSC UTIB0004351
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 UTIB0004351 across all three.
NEFT to Axis Bank, SARANGARH using IFSC UTIB0004351
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 UTIB0004351, and confirm that the system picks up Axis Bank – SARANGARH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0004351
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – SARANGARH, ensure your bank's portal accepts IFSC UTIB0004351 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank SARANGARH (IFSC UTIB0004351)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004351 in your mobile or internet banking app, and the money is credited to the SARANGARH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Sarangarh
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 UTIB0004351:
- 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 SARANGARH is still linked to IFSC UTIB0004351.
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 UTIB0004351
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 – SARANGARH is still mapped to IFSC UTIB0004351. 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 UTIB0004351 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 Sarangarh 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 UTIB0004351 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 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 UTIB0004351 and the account number together uniquely identify the Sarangarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – SARANGARH:
- The IFSC is exactly UTIB0004351 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 SARANGARH 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 Sarangarh branch sits at GROUND FLOOR, SHRI GANESH RICE MILL,GROUND FLOOR, SHRI GANESH RICE MILL,DIST RAIGARH, CG,PIN 496445. If you are travelling from outside Sarangarh, search for the branch on a maps application using the bank name and locality, or call 7768-9827468578 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 UTIB0004351 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0004351 for Axis Bank – SARANGARH, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
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 Sarangarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004351, however, work 24x7.
Branch address & contact
Axis BankSarangarh Branch
GROUND FLOOR, SHRI GANESH RICE MILL,GROUND FLOOR, SHRI GANESH RICE MILL,DIST RAIGARH, CG,PIN 496445
Sarangarh, Chandigarh
Phone: 7768-9827468578
IFSC: UTIB0004351
Frequently asked questions
Where is Axis Bank Sarangarh branch located?
Axis Bank's Sarangarh branch is located at GROUND FLOOR, SHRI GANESH RICE MILL,GROUND FLOOR, SHRI GANESH RICE MILL,DIST RAIGARH, CG,PIN 496445, Sarangarh, Chandigarh.
Is IFSC UTIB0004351 valid for NEFT and RTGS?
Yes. IFSC UTIB0004351 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Axis Bank Sarangarh branch?
The IFSC code of Axis Bank, Sarangarh branch is UTIB0004351. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Axis Bank Sarangarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004351, 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 Sarangarh branch but serve different purposes.
Can I use IFSC UTIB0004351 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004351 to send funds instantly.
How quickly will an NEFT transfer using UTIB0004351 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Sarangarh reflect within 30 minutes.
Is IFSC UTIB0004351 the same for all accounts at Sarangarh branch?
Yes. The IFSC UTIB0004351 is shared by every account held at Axis Bank's Sarangarh branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0004351 belongs to Axis Bank's SARANGARH branch, located at GROUND FLOOR, SHRI GANESH RICE MILL,GROUND FLOOR, SHRI GANESH RICE MILL,DIST… in SARANGARH, CHANDIGARH. 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.
