This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, ADAJANPATIA branch in SURAT. The 11-digit IFSC UTIB0004514 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 ADAJANPATIA 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 – ADAJANPATIA is UTIB0004514. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004514 map to this branch in SURAT, GUJARAT.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Adajanpatia |
| IFSC Code | UTIB0004514 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, SHOP NO. G1, G2 & G3, REVENUE, VILLAGE ADAJAN, ADAJAN PATIA, RANDER |
| City | Surat |
| District | Surat |
| State | Gujarat |
| Phone | 9904414400 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Adajanpatia branch in Surat. 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, UTIB0004514.
About this branch
The branch is located at GROUND FLOOR, SHOP NO. G1, G2 & G3, REVENUE, VILLAGE ADAJAN, ADAJAN PATIA, RANDER. It serves the Surat region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0004514 is used to identify this branch on the RBI payments network.
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 ADAJANPATIA of Axis Bank — its own 11-character IFSC. The code UTIB0004514 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 UTIB0004514 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 UTIB0004514
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 UTIB0004514 across all three.
NEFT to Axis Bank, ADAJANPATIA using IFSC UTIB0004514
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 UTIB0004514, and confirm that the system picks up Axis Bank – ADAJANPATIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to ADAJANPATIA
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's ADAJANPATIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004514 while initiating the transfer and the credit will appear within minutes.
IMPS to Axis Bank ADAJANPATIA (IFSC UTIB0004514)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004514 in your mobile or internet banking app, and the money is credited to the ADAJANPATIA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Adajanpatia
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 UTIB0004514:
- 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 ADAJANPATIA is still linked to IFSC UTIB0004514.
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.
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 ADAJANPATIA branch, the IFSC UTIB0004514 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 Adajanpatia branch
Once you have an account at Axis Bank – ADAJANPATIA, the IFSC UTIB0004514 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 Adajanpatia 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 UTIB0004514
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 UTIB0004514 and the account number together uniquely identify the Adajanpatia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0004514
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the ADAJANPATIA 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 UTIB0004514 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.
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 – ADAJANPATIA:
- The IFSC is exactly UTIB0004514 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 ADAJANPATIA 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 Adajanpatia branch
The branch is located at GROUND FLOOR, SHOP NO. G1, G2 & G3, REVENUE, VILLAGE ADAJAN, ADAJAN PATIA, RANDER, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Adajanpatia branch” — the verified location pin for IFSC UTIB0004514 should appear at the top of the results.
- Confirm the branch is open by calling 9904414400 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 UTIB0004514 and your account number.
Verifying IFSC UTIB0004514 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 UTIB0004514 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9904414400.
- 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 Adajanpatia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0004514, however, work 24x7.
Branch address & contact
Axis BankAdajanpatia Branch
GROUND FLOOR, SHOP NO. G1, G2 & G3, REVENUE, VILLAGE ADAJAN, ADAJAN PATIA, RANDER
Surat, Gujarat
Phone: 9904414400
IFSC: UTIB0004514
Frequently asked questions
Does Axis Bank Adajanpatia branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9904414400 to confirm.
Where is Axis Bank Adajanpatia branch located?
Axis Bank's Adajanpatia branch is located at GROUND FLOOR, SHOP NO. G1, G2 & G3, REVENUE, VILLAGE ADAJAN, ADAJAN PATIA, RANDER, Surat, Gujarat.
How quickly will an NEFT transfer using UTIB0004514 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Adajanpatia reflect within 30 minutes.
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 Adajanpatia branch but serve different purposes.
Can I use IFSC UTIB0004514 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0004514 to send funds instantly.
Is IFSC UTIB0004514 the same for all accounts at Adajanpatia branch?
Yes. The IFSC UTIB0004514 is shared by every account held at Axis Bank's Adajanpatia branch. Only the account number changes from customer to customer.
How do I add Axis Bank Adajanpatia as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0004514, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0004514 valid for NEFT and RTGS?
Yes. IFSC UTIB0004514 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code UTIB0004514 belongs to Axis Bank's ADAJANPATIA branch, located at GROUND FLOOR, SHOP NO. G1, G2 & G3, REVENUE, VILLAGE ADAJAN, ADAJAN PATIA,… in SURAT, 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.
