IFSC Code of Axis Bank, Shimla the Mall Branch, Himachal Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, SHIMLA THE MALL branch in SHIMLA. The 11-digit IFSC UTIB0003651 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 SHIMLA THE MALL 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Axis Bank – SHIMLA THE MALL is UTIB0003651. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003651 map to this branch in SHIMLA, HIMACHAL PRADESH.

Branch details at a glance

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Shimla the Mall branch in Shimla. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0003651.

About the Shimla the Mall branch

The Shimla the Mall branch of Axis Bank is situated at GROUND FLOOR KHASRA NO. OLD 476NEW KHASRA NO. 76 BELL VILLA THE MALL UP MOHAL RIDGE PATWAR CIRCLE STATION WARD BARA SHIMLA TEHSIL SHIMLA URBAN DISTT. SHIMLA H.P 171001. 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 UTIB0003651 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 SHIMLA THE MALL of Axis Bank — its own 11-character IFSC. The code UTIB0003651 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 UTIB0003651 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 UTIB0003651

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 UTIB0003651 across all three.

How to use IFSC UTIB0003651 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's SHIMLA THE MALL 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0003651.
4. Confirm the bank name auto-populates as Axis Bank and the branch as SHIMLA THE MALL.
5. 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 SHIMLA THE MALL

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SHIMLA THE MALL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003651 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank SHIMLA THE MALL (IFSC UTIB0003651)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003651 in your mobile or internet banking app, and the money is credited to the SHIMLA THE MALL branch account within seconds.

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

All three modes accept the IFSC UTIB0003651 for Axis Bank – SHIMLA THE MALL, 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 Shimla the Mall 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 SHIMLA THE MALL branch, the IFSC UTIB0003651 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.

Account types you can open at the Shimla the Mall branch

Once you have an account at Axis Bank – SHIMLA THE MALL, the IFSC UTIB0003651 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 Shimla the Mall 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 UTIB0003651

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 UTIB0003651 and the account number together uniquely identify the Shimla the Mall branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Shimla the Mall 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 UTIB0003651 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.

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 – SHIMLA THE MALL:

• The IFSC is exactly UTIB0003651 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 SHIMLA THE MALL 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.

How to reach the Shimla the Mall branch

The branch is located at GROUND FLOOR KHASRA NO. OLD 476NEW KHASRA NO. 76 BELL VILLA THE MALL UP MOHAL RIDGE PATWAR CIRCLE STATION WARD BARA SHIMLA TEHSIL SHIMLA URBAN DISTT. SHIMLA H.P 171001, which puts it inside Shimla, the broader Shimla district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Shimla the Mall branch” — the verified location pin for IFSC UTIB0003651 should appear at the top of the results.
2. Confirm the branch is open by calling 177-9988454015 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UTIB0003651 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0003651 for Axis Bank – SHIMLA THE MALL, 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 Shimla the Mall branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003651, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0003651 belongs to Axis Bank's SHIMLA THE MALL branch, located at GROUND FLOOR KHASRA NO. OLD 476NEW KHASRA NO. 76 BELL VILLA THE MALL UP MOHAL… in SHIMLA, HIMACHAL PRADESH. 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.