IFSC Code of Axis Bank, Ambala Road Zirakpur Branch, Punjab

Use this page as a one-stop reference for everything related to Axis Bank's AMBALA ROAD ZIRAKPUR branch in ZIRAKPUR, PUNJAB. The branch's IFSC code UTIB0006445 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.

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 AMBALA ROAD ZIRAKPUR branch, the IFSC UTIB0006445 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 006445 identifies this particular branch.

About Axis Bank

Axis Bank operates a wide network of branches across India, including the Ambala Road Zirakpur branch in Zirakpur. 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, UTIB0006445.

Ambala Road Zirakpur branch overview

Located at AXIS BANK LTD UPPER GROUND FLOOR, NEAR VINTAGE HOTEL, SINGPURA CHOWK, ZIRAKPUR TEHSIL ZIRAKPUR, DIST SAS NAGAR MOHALI, PB 143604, the Ambala Road Zirakpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0006445 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 AMBALA ROAD ZIRAKPUR branch came to be assigned the code UTIB0006445.

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 UTIB0006445, money simply cannot be routed to the AMBALA ROAD ZIRAKPUR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ambala Road Zirakpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0006445 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC UTIB0006445

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 UTIB0006445 across all three.

How to use IFSC UTIB0006445 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's AMBALA ROAD ZIRAKPUR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC UTIB0006445.
4. Confirm the bank name auto-populates as Axis Bank and the branch as AMBALA ROAD ZIRAKPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC UTIB0006445

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 – AMBALA ROAD ZIRAKPUR, ensure your bank's portal accepts IFSC UTIB0006445 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Axis Bank AMBALA ROAD ZIRAKPUR (IFSC UTIB0006445)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0006445 in your mobile or internet banking app, and the money is credited to the AMBALA ROAD ZIRAKPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ambala Road Zirakpur

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 UTIB0006445:

• 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 AMBALA ROAD ZIRAKPUR is still linked to IFSC UTIB0006445.

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 UTIB0006445

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 – AMBALA ROAD ZIRAKPUR is still mapped to IFSC UTIB0006445. 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 UTIB0006445 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ambala Road Zirakpur branch is mapped to IFSC UTIB0006445 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 UTIB0006445.

Banking services available

The Ambala Road Zirakpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 172-9855730051.

• 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 UTIB0006445

Online banking and IFSC UTIB0006445

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the AMBALA ROAD ZIRAKPUR 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 UTIB0006445 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 Ambala Road Zirakpur branch

The branch is located at AXIS BANK LTD UPPER GROUND FLOOR, NEAR VINTAGE HOTEL, SINGPURA CHOWK, ZIRAKPUR TEHSIL ZIRAKPUR, DIST SAS NAGAR MOHALI, PB 143604, which puts it inside Zirakpur, the broader S a S Nagar Mohali district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Axis Bank Ambala Road Zirakpur branch” — the verified location pin for IFSC UTIB0006445 should appear at the top of the results.
2. Confirm the branch is open by calling 172-9855730051 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 UTIB0006445 and your account number.

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 – AMBALA ROAD ZIRAKPUR:

• The IFSC is exactly UTIB0006445 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 AMBALA ROAD ZIRAKPUR 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.

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 Ambala Road Zirakpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0006445, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UTIB0006445 for Axis Bank – AMBALA ROAD ZIRAKPUR, 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 address & contact

Frequently asked questions

Summary

The IFSC code UTIB0006445 belongs to Axis Bank's AMBALA ROAD ZIRAKPUR branch, located at AXIS BANK LTD UPPER GROUND FLOOR, NEAR VINTAGE HOTEL, SINGPURA CHOWK, ZIRAKPUR… in ZIRAKPUR, PUNJAB. 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.