IFSC Code UTIB0002577 - Axis Bank Garhwa
GROUND AND FIRST FLOOR NH 75 OPP BLOCK OFFICE GARHWA KUTCHERY ROAD GARHWA JHARKHAND PIN 822114
Quick Info
IFSC: UTIB0002577
Pincode: 822114
District: Garhwa
Status: Active
About Axis Bank Garhwa
IFSC Code UTIB0002577 belongs to Axis Bank Garhwa branch located in Garhwa, Garhwa, Jharkhand. This branch serves customers in Garhwa, Garhwa, Jharkhand and surrounding areas.
Understanding IFSC Code UTIB0002577
The IFSC (Indian Financial System Code) UTIB0002577 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (UTIB): Bank code identifying Axis Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (002577): Unique branch identifier for Garhwa
Electronic Fund Transfer Services
IFSC Code UTIB0002577 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Axis Bank Garhwa branch is located at GROUND AND FIRST FLOOR NH 75 OPP BLOCK OFFICE GARHWA KUTCHERY ROAD GARHWA JHARKHAND PIN 822114 (Pincode: 822114) in Garhwa, Garhwa, Jharkhand. This location serves customers in Garhwa, Garhwa, Jharkhand and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code UTIB0002577 to ensure the transaction is routed correctly.
How to Use IFSC Code UTIB0002577
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: UTIB0002577 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Axis Bank Branches
If you're looking for other Axis Bank branches in Garhwa, Garhwa, Jharkhand or nearby areas, use our Axis Bank branch finder. You can search by city, district, or state to find all Axis Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | UTIB0002577 |
| Bank Name: | Axis Bank |
| Branch Name: | Garhwa |
| Address: | GROUND AND FIRST FLOOR NH 75 OPP BLOCK OFFICE GARHWA KUTCHERY ROAD GARHWA JHARKHAND PIN 822114 |
| City: | Garhwa |
| District: | Garhwa |
| State: | Jharkhand |
| Pincode: | 822114 |
Payment Services Available
Axis Bank Garhwa Branch IFSC Code UTIB0002577 — Complete Banking Guide for Garhwa, Jharkhand
IFSC code UTIB0002577 belongs to the Garhwa branch of Axis Bank in Garhwa, Garhwa district, Jharkhand. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC UTIB0002577 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Axis Bank, Garhwa Branch
The Garhwa branch of Axis Bank in Garhwa, Jharkhand serves retail and corporate customers in Garhwa district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC UTIB0002577 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC UTIB0002577
Four primary digital payment rails use IFSC UTIB0002577 for transfers to Axis Bank, Garhwa: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC UTIB0002577 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Garhwa branch of Axis Bank in Garhwa carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC UTIB0002577 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC UTIB0002577 Before Transferring
Before initiating any high-value transfer to IFSC UTIB0002577, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Axis Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Axis Bank Garhwa, Garhwa IFSC
What is the IFSC of Axis Bank Garhwa in Garhwa?
The IFSC of Axis Bank, Garhwa branch in Garhwa, Jharkhand is UTIB0002577. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC UTIB0002577?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC UTIB0002577 to route funds to Axis Bank, Garhwa, Garhwa.
Who assigns IFSC codes like UTIB0002577?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Axis Bank applied for the IFSC for its Garhwa branch in Garhwa, and RBI issued UTIB0002577 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC UTIB0002577 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC UTIB0002577 at Axis Bank, Garhwa, Garhwa. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC UTIB0002577.
About IFSC Code UTIB0002577
IFSC Code UTIB0002577 belongs to Axis Bank branch Garhwa located in Garhwa, Garhwa, Jharkhand.
Branch Information
- IFSC Code: UTIB0002577
- Bank: Axis Bank
- Branch: Garhwa
- Address: GROUND AND FIRST FLOOR NH 75 OPP BLOCK OFFICE GARHWA KUTCHERY ROAD GARHWA JHARKHAND PIN 822114
- City: Garhwa
- District: Garhwa
- State: Jharkhand
- Pincode: 822114
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available