Use this page as a one-stop reference for everything related to Axis Bank's AMROLI branch in SURAT, GUJARAT. The branch's IFSC code UTIB0003118 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, UTIB0003118 is the IFSC of Axis Bank's AMROLI branch. The format is fixed: UTIB = bank code, 0 = reserved, 003118 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Amroli |
| IFSC Code | UTIB0003118 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR SHOP NO 12 99 SHOPPING AMROLI SAYAN MAIN ROAD AMROLI SURAT GUJARAT PIN 394107 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 91 |
| Phone | 9909904618 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Amroli 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, UTIB0003118.
About the Amroli branch
The Amroli branch of Axis Bank is situated at GROUND FLOOR SHOP NO 12 99 SHOPPING AMROLI SAYAN MAIN ROAD AMROLI SURAT GUJARAT PIN 394107. 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 UTIB0003118 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 AMROLI of Axis Bank — its own 11-character IFSC. The code UTIB0003118 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 UTIB0003118 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 UTIB0003118
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 UTIB0003118 across all three.
How to use IFSC UTIB0003118 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's AMROLI 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 UTIB0003118.
- Confirm the bank name auto-populates as Axis Bank and the branch as AMROLI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0003118
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 – AMROLI, ensure your bank's portal accepts IFSC UTIB0003118 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank AMROLI (IFSC UTIB0003118)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003118 in your mobile or internet banking app, and the money is credited to the AMROLI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Amroli
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 UTIB0003118:
- 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 AMROLI is still linked to IFSC UTIB0003118.
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 AMROLI branch, the IFSC UTIB0003118 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.
Products and account variants supported
Every account opened at the Amroli branch is mapped to IFSC UTIB0003118 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 UTIB0003118.
Banking services available
The Amroli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9909904618.
- 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 UTIB0003118
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 UTIB0003118 and the account number together uniquely identify the Amroli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC UTIB0003118
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the AMROLI 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 UTIB0003118 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.
Common mistakes to avoid when using IFSC UTIB0003118
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 – AMROLI, 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:
UTIB0003118. - 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 Amroli branch sits at GROUND FLOOR SHOP NO 12 99 SHOPPING AMROLI SAYAN MAIN ROAD AMROLI SURAT GUJARAT PIN 394107. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 91-9909904618 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 UTIB0003118 and your account number.
Verifying IFSC UTIB0003118 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 UTIB0003118 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9909904618.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Amroli 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 UTIB0003118 continue to work without interruption.
Branch address & contact
Axis BankAmroli Branch
GROUND FLOOR SHOP NO 12 99 SHOPPING AMROLI SAYAN MAIN ROAD AMROLI SURAT GUJARAT PIN 394107
Surat, Gujarat
Phone: 91-9909904618
IFSC: UTIB0003118
Frequently asked questions
Does Axis Bank Amroli branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9909904618 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 Amroli branch but serve different purposes.
How do I add Axis Bank Amroli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003118, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using UTIB0003118 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Amroli reflect within 30 minutes.
What is the IFSC code of Axis Bank Amroli branch?
The IFSC code of Axis Bank, Amroli branch is UTIB0003118. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0003118 the same for all accounts at Amroli branch?
Yes. The IFSC UTIB0003118 is shared by every account held at Axis Bank's Amroli branch. Only the account number changes from customer to customer.
What is the phone number of Axis Bank Amroli branch?
You can reach the branch at 91-9909904618 during regular banking hours.
Final notes
To recap: UTIB0003118 is the IFSC code of Axis Bank, AMROLI branch, in SURAT, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
