If you are searching for the IFSC code of Axis Bank, HMT SRINAGAR branch in SRINAGAR, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is UTIB0006062. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the HMT SRINAGAR branch, and detailed step-by-step guides for using the IFSC UTIB0006062 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 HMT SRINAGAR branch, the IFSC UTIB0006062 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 006062 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 Hmt Srinagar branch in Srinagar, Jammu and Kashmir is part of this network and uses the IFSC code UTIB0006062 for all electronic settlement.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Hmt Srinagar |
| IFSC Code | UTIB0006062 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, KHASRA NO 183 OLD, 176 AND 172 NEW KHEWAT NO 238 AND 240 REVENUE VILLAGE SHALTENG |
| City | Srinagar |
| District | Srinagar |
| State | Jammu and Kashmir |
| STD Code | 194 |
| Phone | 9797235015 |
About the Hmt Srinagar branch
The Hmt Srinagar branch of Axis Bank is situated at GROUND FLOOR, KHASRA NO 183 OLD, 176 AND 172 NEW KHEWAT NO 238 AND 240 REVENUE VILLAGE SHALTENG. 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 UTIB0006062 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 HMT SRINAGAR branch came to be assigned the code UTIB0006062.
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 UTIB0006062, money simply cannot be routed to the HMT SRINAGAR branch electronically.
Products and account variants supported
Every account opened at the Hmt Srinagar branch is mapped to IFSC UTIB0006062 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 UTIB0006062.
Banking services available
The Hmt Srinagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 194-9797235015.
- 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 UTIB0006062
How to transfer money using IFSC UTIB0006062
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 UTIB0006062 across all three.
NEFT to Axis Bank, HMT SRINAGAR using IFSC UTIB0006062
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 UTIB0006062, and confirm that the system picks up Axis Bank – HMT SRINAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to HMT SRINAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's HMT SRINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0006062 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – HMT SRINAGAR, use IMPS. With IFSC UTIB0006062 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Hmt Srinagar
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 UTIB0006062:
- 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 HMT SRINAGAR is still linked to IFSC UTIB0006062.
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 UTIB0006062
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 – HMT SRINAGAR is still mapped to IFSC UTIB0006062. 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 UTIB0006062 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 Hmt Srinagar 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 UTIB0006062 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 UTIB0006062 and the account number together uniquely identify the Hmt Srinagar 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 – HMT SRINAGAR:
- The IFSC is exactly UTIB0006062 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 HMT SRINAGAR 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 Hmt Srinagar branch sits at GROUND FLOOR, KHASRA NO 183 OLD, 176 AND 172 NEW KHEWAT NO 238 AND 240 REVENUE VILLAGE SHALTENG. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call 194-9797235015 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 UTIB0006062 and your account number.
Verifying IFSC UTIB0006062 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 UTIB0006062 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 194-9797235015.
- 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 Hmt Srinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0006062, however, work 24x7.
Branch address & contact
Axis BankHmt Srinagar Branch
GROUND FLOOR, KHASRA NO 183 OLD, 176 AND 172 NEW KHEWAT NO 238 AND 240 REVENUE VILLAGE SHALTENG
Srinagar, Jammu and Kashmir
Phone: 194-9797235015
IFSC: UTIB0006062
Frequently asked questions
How do I add Axis Bank Hmt Srinagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0006062, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0006062 valid for NEFT and RTGS?
Yes. IFSC UTIB0006062 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Hmt Srinagar branch but serve different purposes.
How quickly will an NEFT transfer using UTIB0006062 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Hmt Srinagar reflect within 30 minutes.
What is the IFSC code of Axis Bank Hmt Srinagar branch?
The IFSC code of Axis Bank, Hmt Srinagar branch is UTIB0006062. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC UTIB0006062 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0006062 to send funds instantly.
Does Axis Bank Hmt Srinagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 194-9797235015 to confirm.
What is the phone number of Axis Bank Hmt Srinagar branch?
You can reach the branch at 194-9797235015 during regular banking hours.
Summary
The IFSC code UTIB0006062 belongs to Axis Bank's HMT SRINAGAR branch, located at GROUND FLOOR, KHASRA NO 183 OLD, 176 AND 172 NEW KHEWAT NO 238 AND 240 REVENUE… in SRINAGAR, JAMMU AND KASHMIR. 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.
