IFSC Code of Axis Bank, Yamunanagar Iti Chowk Branch, Haryana

Below are the complete branch details for Axis Bank, YAMUNANAGAR ITI CHOWK branch, located in YAMUNANAGAR, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0003538. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0003538 for Axis Bank – YAMUNANAGAR ITI CHOWK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 YAMUNANAGAR ITI CHOWK branch, the IFSC UTIB0003538 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 003538 identifies this particular branch.

Bank profile

Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Yamunanagar Iti Chowk branch — IFSC UTIB0003538 — extends the bank's services to customers in and around Yamunanagar, Haryana.

Branch details at a glance

Yamunanagar Iti Chowk branch overview

Located at GR FLR PLOT NO B 6 111 6 2 PROPERTY NO 231C202U389 TAGORE GARDEN NH73 BY PASS RD KAMANI CHOWK, the Yamunanagar Iti Chowk branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0003538 is required for all interbank electronic transfers routed through this branch.

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 YAMUNANAGAR ITI CHOWK branch came to be assigned the code UTIB0003538.

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 UTIB0003538, money simply cannot be routed to the YAMUNANAGAR ITI CHOWK branch electronically.

Products and account variants supported

Every account opened at the Yamunanagar Iti Chowk branch is mapped to IFSC UTIB0003538 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 UTIB0003538.

Products and services

Customers walking into the Yamunanagar Iti Chowk 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 UTIB0003538

How to transfer money using IFSC UTIB0003538

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 UTIB0003538 across all three.

NEFT to Axis Bank, YAMUNANAGAR ITI CHOWK using IFSC UTIB0003538

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 UTIB0003538, and confirm that the system picks up Axis Bank – YAMUNANAGAR ITI CHOWK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to YAMUNANAGAR ITI CHOWK

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's YAMUNANAGAR ITI CHOWK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0003538 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank YAMUNANAGAR ITI CHOWK (IFSC UTIB0003538)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0003538 in your mobile or internet banking app, and the money is credited to the YAMUNANAGAR ITI CHOWK branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UTIB0003538 for Axis Bank – YAMUNANAGAR ITI CHOWK, 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.

For most retail customers crediting the Yamunanagar Iti Chowk 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 YAMUNANAGAR ITI CHOWK branch, the IFSC UTIB0003538 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.

Digital banking channels

Most day-to-day work that customers used to do at the Yamunanagar Iti Chowk 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 UTIB0003538 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.

MICR & cheque-truncation details

Cheques drawn on the Yamunanagar Iti Chowk branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003538 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC UTIB0003538

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 – YAMUNANAGAR ITI CHOWK, 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: UTIB0003538.
• 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 Yamunanagar Iti Chowk branch sits at GR FLR PLOT NO B 6 111 6 2 PROPERTY NO 231C202U389 TAGORE GARDEN NH73 BY PASS RD KAMANI CHOWK. If you are travelling from outside Yamunanagar, search for the branch on a maps application using the bank name and locality, or call 9992600194 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 UTIB0003538 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0003538 for Axis Bank – YAMUNANAGAR ITI CHOWK, 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 Yamunanagar Iti Chowk branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003538, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0003538 is the IFSC code of Axis Bank, YAMUNANAGAR ITI CHOWK branch, in YAMUNANAGAR, HARYANA. 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.