Below are the complete branch details for Axis Bank, SHRINAGAR branch, located in SHRINAGAR, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0002813. 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 UTIB0002813 for Axis Bank – SHRINAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – SHRINAGAR is UTIB0002813. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002813 map to this branch in SHRINAGAR, UTTARAKHAND.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Shrinagar |
| IFSC Code | UTIB0002813 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GR FLR KHASRA NO 154 SANJAY TALKIES BLDG COMPLEX MAIN BADRINATH ROAD |
| City | Shrinagar |
| District | Shrinagar |
| State | Uttarakhand |
| STD Code | 91 |
| Phone | 8445902374 |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Shrinagar branch — IFSC UTIB0002813 — extends the bank's services to customers in and around Shrinagar, Uttarakhand.
About the Shrinagar branch
The Shrinagar branch of Axis Bank is situated at GR FLR KHASRA NO 154 SANJAY TALKIES BLDG COMPLEX MAIN BADRINATH ROAD. 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 UTIB0002813 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 SHRINAGAR branch came to be assigned the code UTIB0002813.
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 UTIB0002813, money simply cannot be routed to the SHRINAGAR branch electronically.
How to transfer money using IFSC UTIB0002813
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 UTIB0002813 across all three.
NEFT to Axis Bank, SHRINAGAR using IFSC UTIB0002813
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 UTIB0002813, and confirm that the system picks up Axis Bank – SHRINAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SHRINAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SHRINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0002813 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank SHRINAGAR (IFSC UTIB0002813)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0002813 in your mobile or internet banking app, and the money is credited to the SHRINAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0002813 for Axis Bank – SHRINAGAR, 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 – UTIB0002813 | Yes – UTIB0002813 | Yes – UTIB0002813 |
For most retail customers crediting the Shrinagar 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 UTIB0002813
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 – SHRINAGAR is still mapped to IFSC UTIB0002813. 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 UTIB0002813 and the beneficiary's account number to complete the transfer.
Account types you can open at the Shrinagar branch
Once you have an account at Axis Bank – SHRINAGAR, the IFSC UTIB0002813 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 Shrinagar 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 UTIB0002813
MICR & cheque-truncation details
Cheques drawn on the Shrinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0002813 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Shrinagar 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 UTIB0002813 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.
Common mistakes to avoid when using IFSC UTIB0002813
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 – SHRINAGAR, 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:
UTIB0002813. - 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.
How to reach the Shrinagar branch
The branch is located at GR FLR KHASRA NO 154 SANJAY TALKIES BLDG COMPLEX MAIN BADRINATH ROAD, which puts it inside Shrinagar, the broader Shrinagar district, and the state of Uttarakhand. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Shrinagar branch” — the verified location pin for IFSC UTIB0002813 should appear at the top of the results.
- Confirm the branch is open by calling 91-8445902374 before stepping out, especially around public holidays.
- 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 UTIB0002813 and your account number.
Verifying IFSC UTIB0002813 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 UTIB0002813 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8445902374.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Shrinagar 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 UTIB0002813 continue to work without interruption.
Branch address & contact
Axis BankShrinagar Branch
GR FLR KHASRA NO 154 SANJAY TALKIES BLDG COMPLEX MAIN BADRINATH ROAD
Shrinagar, Uttarakhand
Phone: 91-8445902374
IFSC: UTIB0002813
Frequently asked questions
Can I use IFSC UTIB0002813 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002813 to send funds instantly.
How do I add Axis Bank Shrinagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002813, 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 Shrinagar branch but serve different purposes.
What is the phone number of Axis Bank Shrinagar branch?
You can reach the branch at 91-8445902374 during regular banking hours.
Is IFSC UTIB0002813 valid for NEFT and RTGS?
Yes. IFSC UTIB0002813 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Axis Bank Shrinagar branch?
The IFSC code of Axis Bank, Shrinagar branch is UTIB0002813. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Axis Bank Shrinagar branch located?
Axis Bank's Shrinagar branch is located at GR FLR KHASRA NO 154 SANJAY TALKIES BLDG COMPLEX MAIN BADRINATH ROAD, Shrinagar, Uttarakhand.
Is IFSC UTIB0002813 the same for all accounts at Shrinagar branch?
Yes. The IFSC UTIB0002813 is shared by every account held at Axis Bank's Shrinagar branch. Only the account number changes from customer to customer.
Summary
The IFSC code UTIB0002813 belongs to Axis Bank's SHRINAGAR branch, located at GR FLR KHASRA NO 154 SANJAY TALKIES BLDG COMPLEX MAIN BADRINATH ROAD in SHRINAGAR, UTTARAKHAND. 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.
