Use this page as a one-stop reference for everything related to Axis Bank's SARIGAM branch in SARIGAM, GUJARAT. The branch's IFSC code UTIB0005600 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, UTIB0005600 is the IFSC of Axis Bank's SARIGAM branch. The format is fixed: UTIB = bank code, 0 = reserved, 005600 = 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 Sarigam branch in Sarigam, Gujarat is part of this network and uses the IFSC code UTIB0005600 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Sarigam |
| IFSC Code | UTIB0005600 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR,T P NO 2,C S NO 817,HOUSE NO 105,BAZAAR ROAD,NEAR GRAM PANCHAYAT OFFICE |
| City | Sarigam |
| District | Valsad |
| State | Gujarat |
| STD Code | 265 |
| Phone | 9978908661 |
About the Sarigam branch
The Sarigam branch of Axis Bank is situated at GROUND FLOOR,T P NO 2,C S NO 817,HOUSE NO 105,BAZAAR ROAD,NEAR GRAM PANCHAYAT OFFICE. 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 UTIB0005600 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 SARIGAM branch came to be assigned the code UTIB0005600.
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 UTIB0005600, money simply cannot be routed to the SARIGAM branch electronically.
Products and account variants supported
Every account opened at the Sarigam branch is mapped to IFSC UTIB0005600 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 UTIB0005600.
Banking services available
The Sarigam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 265-9978908661.
- 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 UTIB0005600
How to transfer money using IFSC UTIB0005600
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 UTIB0005600 across all three.
How to use IFSC UTIB0005600 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SARIGAM 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 UTIB0005600.
- Confirm the bank name auto-populates as Axis Bank and the branch as SARIGAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0005600
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 – SARIGAM, ensure your bank's portal accepts IFSC UTIB0005600 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank SARIGAM (IFSC UTIB0005600)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0005600 in your mobile or internet banking app, and the money is credited to the SARIGAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0005600 for Axis Bank – SARIGAM, 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 – UTIB0005600 | Yes – UTIB0005600 | Yes – UTIB0005600 |
For most retail customers crediting the Sarigam 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 UTIB0005600
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 – SARIGAM is still mapped to IFSC UTIB0005600. 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 UTIB0005600 and the beneficiary's account number to complete the transfer.
Online banking and IFSC UTIB0005600
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the SARIGAM 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 UTIB0005600 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 & cheque-truncation details
Cheques drawn on the Sarigam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0005600 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC UTIB0005600
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 – SARIGAM, 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:
UTIB0005600. - 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 Sarigam branch sits at GROUND FLOOR,T P NO 2,C S NO 817,HOUSE NO 105,BAZAAR ROAD,NEAR GRAM PANCHAYAT OFFICE. If you are travelling from outside Sarigam, search for the branch on a maps application using the bank name and locality, or call 265-9978908661 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 UTIB0005600 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0005600 for Axis Bank – SARIGAM, 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.
Working hours
Branch counters at Sarigam are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UTIB0005600 continue to work without interruption.
Branch address & contact
Axis BankSarigam Branch
GROUND FLOOR,T P NO 2,C S NO 817,HOUSE NO 105,BAZAAR ROAD,NEAR GRAM PANCHAYAT OFFICE
Sarigam, Gujarat
Phone: 265-9978908661
IFSC: UTIB0005600
Frequently asked questions
Does Axis Bank Sarigam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 265-9978908661 to confirm.
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 Sarigam branch but serve different purposes.
What is the phone number of Axis Bank Sarigam branch?
You can reach the branch at 265-9978908661 during regular banking hours.
How quickly will an NEFT transfer using UTIB0005600 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Sarigam reflect within 30 minutes.
Is IFSC UTIB0005600 valid for NEFT and RTGS?
Yes. IFSC UTIB0005600 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Axis Bank Sarigam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005600, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0005600 the same for all accounts at Sarigam branch?
Yes. The IFSC UTIB0005600 is shared by every account held at Axis Bank's Sarigam branch. Only the account number changes from customer to customer.
Can I use IFSC UTIB0005600 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005600 to send funds instantly.
Summary
The IFSC code UTIB0005600 belongs to Axis Bank's SARIGAM branch, located at GROUND FLOOR,T P NO 2,C S NO 817,HOUSE NO 105,BAZAAR ROAD,NEAR GRAM PANCHAYAT… in SARIGAM, GUJARAT. 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.
