This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, SURAT branch in SURAT. The 11-digit IFSC UTIB0005712 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 SURAT 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.
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 SURAT branch, the IFSC UTIB0005712 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 005712 identifies this particular branch.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Surat |
| IFSC Code | UTIB0005712 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, GURUKRUPA VIDYALAYA, SWAMINARAYAN CHOWK, MORA BHAGAL, VILLAGE RANDER, DIST SURAT |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 9909002615 |
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Surat branch — IFSC UTIB0005712 — extends the bank's services to customers in and around Surat, Gujarat.
About this branch
The branch is located at GROUND FLOOR, GURUKRUPA VIDYALAYA, SWAMINARAYAN CHOWK, MORA BHAGAL, VILLAGE RANDER, DIST SURAT. 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 UTIB0005712 is used to identify this branch on the RBI payments network.
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 SURAT branch came to be assigned the code UTIB0005712.
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 UTIB0005712, money simply cannot be routed to the SURAT branch electronically.
How to transfer money using IFSC UTIB0005712
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 UTIB0005712 across all three.
NEFT to Axis Bank, SURAT using IFSC UTIB0005712
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 UTIB0005712, and confirm that the system picks up Axis Bank – SURAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SURAT
If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0005712 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 – SURAT, use IMPS. With IFSC UTIB0005712 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 Surat
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 UTIB0005712:
- 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 SURAT is still linked to IFSC UTIB0005712.
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 SURAT branch, the IFSC UTIB0005712 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 Surat branch
Once you have an account at Axis Bank – SURAT, the IFSC UTIB0005712 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.
Banking services available
The Surat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-9909002615.
- 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 UTIB0005712
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 UTIB0005712 and the account number together uniquely identify the Surat 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 Surat 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 UTIB0005712 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 UTIB0005712
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 – SURAT, 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:
UTIB0005712. - 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 Surat branch
The branch is located at GROUND FLOOR, GURUKRUPA VIDYALAYA, SWAMINARAYAN CHOWK, MORA BHAGAL, VILLAGE RANDER, DIST SURAT, 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 Surat branch” — the verified location pin for IFSC UTIB0005712 should appear at the top of the results.
- Confirm the branch is open by calling 261-9909002615 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 UTIB0005712 and your account number.
Verifying IFSC UTIB0005712 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 UTIB0005712 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 261-9909002615.
- 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 Surat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0005712, however, work 24x7.
Branch address & contact
Axis BankSurat Branch
GROUND FLOOR, GURUKRUPA VIDYALAYA, SWAMINARAYAN CHOWK, MORA BHAGAL, VILLAGE RANDER, DIST SURAT
Surat, Gujarat
Phone: 261-9909002615
IFSC: UTIB0005712
Frequently asked questions
Is IFSC UTIB0005712 the same for all accounts at Surat branch?
Yes. The IFSC UTIB0005712 is shared by every account held at Axis Bank's Surat branch. Only the account number changes from customer to customer.
How do I add Axis Bank Surat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0005712, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Surat branch?
You can reach the branch at 261-9909002615 during regular banking hours.
How quickly will an NEFT transfer using UTIB0005712 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Surat reflect within 30 minutes.
Where is Axis Bank Surat branch located?
Axis Bank's Surat branch is located at GROUND FLOOR, GURUKRUPA VIDYALAYA, SWAMINARAYAN CHOWK, MORA BHAGAL, VILLAGE RANDER, DIST SURAT, Surat, Gujarat.
Can I use IFSC UTIB0005712 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0005712 to send funds instantly.
Does Axis Bank Surat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 261-9909002615 to confirm.
Summary
The IFSC code UTIB0005712 belongs to Axis Bank's SURAT branch, located at GROUND FLOOR, GURUKRUPA VIDYALAYA, SWAMINARAYAN CHOWK, MORA BHAGAL, VILLAGE… 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.
