This page lists the IFSC code, branch address, contact number and fund-transfer information for Axis Bank, PILIKOTHI branch in VARANASI. The 11-digit IFSC UTIB0006485 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 PILIKOTHI 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.
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, UTIB0006485 is the IFSC of Axis Bank's PILIKOTHI branch. The format is fixed: UTIB = bank code, 0 = reserved, 006485 = branch identifier.
About the bank
Axis Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pilikothi branch in Varanasi, Uttar Pradesh is part of this network and uses the IFSC code UTIB0006485 for all electronic settlement.
About this branch
The branch is located at GF, J4,106AF, HAISTALE, MUTTASIL PILIKOTHI, ARAZI4727, MAUZAJAITPURA, DEHATAMANAT, SADAR, VARANASI, UP 221001. It serves the Varanasi 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 UTIB0006485 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Pilikothi |
| IFSC Code | UTIB0006485 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GF, J4,106AF, HAISTALE, MUTTASIL PILIKOTHI, ARAZI4727, MAUZAJAITPURA, DEHATAMANAT, SADAR, VARANASI, UP 221001 |
| City | Varanasi |
| District | Varanasi |
| State | Uttar Pradesh |
| STD Code | 542 |
| Phone | 7310257681 |
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 PILIKOTHI of Axis Bank — its own 11-character IFSC. The code UTIB0006485 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 UTIB0006485 the same way you would treat your account number — verify it once and save it carefully for future use.
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 UTIB0006485 and the account number together uniquely identify the Pilikothi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0006485
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 UTIB0006485 across all three.
How to use IFSC UTIB0006485 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's PILIKOTHI 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 UTIB0006485.
- Confirm the bank name auto-populates as Axis Bank and the branch as PILIKOTHI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0006485
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 – PILIKOTHI, ensure your bank's portal accepts IFSC UTIB0006485 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – PILIKOTHI, use IMPS. With IFSC UTIB0006485 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0006485 for Axis Bank – PILIKOTHI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0006485 | Yes – UTIB0006485 | Yes – UTIB0006485 |
For most retail customers crediting the Pilikothi branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
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 PILIKOTHI branch, the IFSC UTIB0006485 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 Pilikothi branch is mapped to IFSC UTIB0006485 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 UTIB0006485.
Banking services available
The Pilikothi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 542-7310257681.
- 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 UTIB0006485
Online banking and IFSC UTIB0006485
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the PILIKOTHI 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 UTIB0006485 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.
How to reach the Pilikothi branch
The branch is located at GF, J4,106AF, HAISTALE, MUTTASIL PILIKOTHI, ARAZI4727, MAUZAJAITPURA, DEHATAMANAT, SADAR, VARANASI, UP 221001, which puts it inside Varanasi, the broader Varanasi district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Pilikothi branch” — the verified location pin for IFSC UTIB0006485 should appear at the top of the results.
- Confirm the branch is open by calling 542-7310257681 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 UTIB0006485 and your account number.
Common mistakes to avoid when using IFSC UTIB0006485
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 – PILIKOTHI, 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:
UTIB0006485. - 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.
Working hours
Branch counters at Pilikothi 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 UTIB0006485 continue to work without interruption.
Verifying IFSC UTIB0006485 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 UTIB0006485 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 542-7310257681.
- Visiting the bank's official branch locator page.
Branch address & contact
Axis BankPilikothi Branch
GF, J4,106AF, HAISTALE, MUTTASIL PILIKOTHI, ARAZI4727, MAUZAJAITPURA, DEHATAMANAT, SADAR, VARANASI, UP 221001
Varanasi, Uttar Pradesh
Phone: 542-7310257681
IFSC: UTIB0006485
Frequently asked questions
Does Axis Bank Pilikothi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 542-7310257681 to confirm.
How do I add Axis Bank Pilikothi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0006485, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC UTIB0006485 valid for NEFT and RTGS?
Yes. IFSC UTIB0006485 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Axis Bank Pilikothi branch?
The IFSC code of Axis Bank, Pilikothi branch is UTIB0006485. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Pilikothi branch but serve different purposes.
Where is Axis Bank Pilikothi branch located?
Axis Bank's Pilikothi branch is located at GF, J4,106AF, HAISTALE, MUTTASIL PILIKOTHI, ARAZI4727, MAUZAJAITPURA, DEHATAMANAT, SADAR, VARANASI, UP 221001, Varanasi, Uttar Pradesh.
Final notes
To recap: UTIB0006485 is the IFSC code of Axis Bank, PILIKOTHI branch, in VARANASI, UTTAR PRADESH. 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.
