IFSC Code of Axis Bank, Rajkot ,Gujrat Branch, Gujarat

If you are searching for the IFSC code of Axis Bank, RAJKOT ,GUJRAT branch in VADODARA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is UTIB0000087. 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 RAJKOT ,GUJRAT branch, and detailed step-by-step guides for using the IFSC UTIB0000087 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 RAJKOT ,GUJRAT branch, the IFSC UTIB0000087 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 000087 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 Rajkot ,Gujrat branch in Vadodara, Gujarat is part of this network and uses the IFSC code UTIB0000087 for all electronic settlement.

Branch details at a glance

About the Rajkot ,Gujrat branch

The Rajkot ,Gujrat branch of Axis Bank is situated at ARADHANA KOTECHA CHOWK ,KALAVAD ROAD RAJKOT. 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 UTIB0000087 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 RAJKOT ,GUJRAT branch came to be assigned the code UTIB0000087.

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 UTIB0000087, money simply cannot be routed to the RAJKOT ,GUJRAT branch electronically.

Account types you can open at the Rajkot ,Gujrat branch

Once you have an account at Axis Bank – RAJKOT ,GUJRAT, the IFSC UTIB0000087 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 Rajkot ,Gujrat 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 UTIB0000087

How to transfer money using IFSC UTIB0000087

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 UTIB0000087 across all three.

NEFT to Axis Bank, RAJKOT ,GUJRAT using IFSC UTIB0000087

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 UTIB0000087, and confirm that the system picks up Axis Bank – RAJKOT ,GUJRAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UTIB0000087

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 – RAJKOT ,GUJRAT, ensure your bank's portal accepts IFSC UTIB0000087 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank RAJKOT ,GUJRAT (IFSC UTIB0000087)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0000087 in your mobile or internet banking app, and the money is credited to the RAJKOT ,GUJRAT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rajkot ,Gujrat

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 UTIB0000087:

• 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 RAJKOT ,GUJRAT is still linked to IFSC UTIB0000087.

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 UTIB0000087

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 – RAJKOT ,GUJRAT is still mapped to IFSC UTIB0000087. 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 UTIB0000087 and the beneficiary's account number to complete the transfer.

Online banking and IFSC UTIB0000087

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the RAJKOT ,GUJRAT 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 UTIB0000087 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.

MICR & cheque-truncation details

Cheques drawn on the Rajkot ,Gujrat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0000087 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – RAJKOT ,GUJRAT:

• The IFSC is exactly UTIB0000087 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 RAJKOT ,GUJRAT 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 Rajkot ,Gujrat branch

The branch is located at ARADHANA KOTECHA CHOWK ,KALAVAD ROAD RAJKOT, which puts it inside Vadodara, the broader Vadodara district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Rajkot ,Gujrat branch” — the verified location pin for IFSC UTIB0000087 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 UTIB0000087 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0000087 for Axis Bank – RAJKOT ,GUJRAT, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Rajkot ,Gujrat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0000087, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UTIB0000087 belongs to Axis Bank's RAJKOT ,GUJRAT branch, located at ARADHANA KOTECHA CHOWK ,KALAVAD ROAD RAJKOT in VADODARA, 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.