IFSC Code of Axis Bank, Ziro Branch Branch, Arunachal Pradesh

Below are the complete branch details for Axis Bank, ZIRO BRANCH branch, located in ZIRO, ARUNACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0004939. 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 UTIB0004939 for Axis Bank – ZIRO BRANCH — 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 ZIRO BRANCH branch, the IFSC UTIB0004939 breaks down as follows: UTIB identifies the bank, 0 is the reserved character, and 004939 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 Ziro Branch branch in Ziro, Arunachal Pradesh is part of this network and uses the IFSC code UTIB0004939 for all electronic settlement.

Ziro Branch branch overview

Located at GROUND AND 1ST FLOOR, CLUB ROAD, NEAR DAILY BAZAR HAPOLI, ZIRO, PIN 791120, the Ziro Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC UTIB0004939 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 ZIRO BRANCH of Axis Bank — its own 11-character IFSC. The code UTIB0004939 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 UTIB0004939 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Ziro Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0004939 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 UTIB0004939

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 UTIB0004939 across all three.

How to use IFSC UTIB0004939 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's ZIRO BRANCH 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 UTIB0004939.
4. Confirm the bank name auto-populates as Axis Bank and the branch as ZIRO BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ZIRO BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Axis Bank's ZIRO BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC UTIB0004939 while initiating the transfer and the credit will appear within minutes.

IMPS to Axis Bank ZIRO BRANCH (IFSC UTIB0004939)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0004939 in your mobile or internet banking app, and the money is credited to the ZIRO BRANCH branch account within seconds.

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

All three modes accept the IFSC UTIB0004939 for Axis Bank – ZIRO BRANCH, 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 Ziro Branch 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 ZIRO BRANCH branch, the IFSC UTIB0004939 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 Ziro Branch branch

Once you have an account at Axis Bank – ZIRO BRANCH, the IFSC UTIB0004939 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 Ziro Branch 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 UTIB0004939

Online banking and IFSC UTIB0004939

Axis Bank customers can register for net banking and the bank's official mobile app once their account at the ZIRO BRANCH 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 UTIB0004939 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.

Reaching the branch

The Ziro Branch branch sits at GROUND AND 1ST FLOOR, CLUB ROAD, NEAR DAILY BAZAR HAPOLI, ZIRO, PIN 791120. If you are travelling from outside Ziro, search for the branch on a maps application using the bank name and locality, or call 37892-9706076525 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 UTIB0004939 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 – ZIRO BRANCH:

• The IFSC is exactly UTIB0004939 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 ZIRO BRANCH 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.

Working hours

Branch counters at Ziro Branch 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 UTIB0004939 continue to work without interruption.

Verifying IFSC UTIB0004939 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 UTIB0004939 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 37892-9706076525.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: UTIB0004939 is the IFSC code of Axis Bank, ZIRO BRANCH branch, in ZIRO, ARUNACHAL 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.