Welcome to the high-trust institutional registry for Axis Bank. The PHOOLBAUG GWALIOR branch, situated in the thriving economic landscape of GWALIOR, serves as a pivotal financial gateway for residents and businesses across MADHYA PRADESH. As an integral part of the Indian banking ecosystem, this branch facilitates critical fiscal operations and consumer-facing services.To ensure frictionless electronic payments, Axis Bank has designated the IFSC UTIB0002974 for its PHOOLBAUG GWALIOR branch in GWALIOR. This identifier is essential for mapping your transactions within the national clearing system. It supports high-frequency digital transfers and is a prerequisite for adding this branch as a beneficiary in any Indian banking interface.Dedicated to financial inclusion, Axis Bank PHOOLBAUG GWALIOR continues to expand its reach in GWALIOR. For specific inquiries regarding account maintenance or grievance redressal, customers are encouraged to use the authenticated contact details and physical address listed in our verified database for MADHYA PRADESH.
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Practical Guide
How to Use IFSC Code UTIB0002974
Follow these step-by-step instructions to use the IFSC code UTIB0002974 for sending money to Axis Bank PHOOLBAUG GWALIOR branch.
NEFT
Send via NEFT
Log into your Internet Banking or Mobile Banking app
Go to Fund Transfer → Add Beneficiary
Enter beneficiary name and account number at Axis Bank
Enter IFSC Code: UTIB0002974
Select NEFT as transfer mode, enter amount, and confirm
Money reaches within 30 minutes to 2 hours (processed in batches)
RTGS
Send via RTGS (₹2 Lakh+)
Open your bank's net banking portal or mobile app
Navigate to Fund Transfer → RTGS
Add beneficiary with account number + IFSC: UTIB0002974
Minimum transfer amount: ₹2,00,000
Money is credited instantly in real-time (24x7 available)
IMPS
Send via IMPS (Instant)
Open your mobile banking app
Select IMPS Transfer
Enter beneficiary details with IFSC: UTIB0002974
Maximum limit: ₹5,00,000 per transaction
Transfer completes within seconds — available 24x7x365
Safety Tips for Using IFSC UTIB0002974
Always double-check the IFSC code before confirming any transfer
Cross-verify with your passbook or cheque book issued by Axis Bank
For first-time transfers, send a small test amount (₹1-₹10) first
Never share your OTP, PIN, or password with anyone claiming to be from Axis Bank
About Axis Bank PHOOLBAUG GWALIOR
Axis Bank PHOOLBAUG GWALIOR branch is a fully operational banking facility located in GWALIOR, MADHYA PRADESH.
Identified by the IFSC code UTIB0002974, this branch is part of the Reserve Bank of India's (RBI) payment and settlement infrastructure and participates in all major electronic clearing systems.
The branch code 002974 is unique to this specific location, while the prefix UTIB identifies Axis Bank across all its branches nationally.
Customers can use this branch for account opening, fixed deposits, recurring deposits, personal loans, home loans, education loans, locker facilities, and all digital banking services including UPI, NEFT, RTGS, and IMPS.
For residents and businesses in GWALIOR, this branch serves as a primary financial access point.
All transactions are governed by RBI regulations, and deposits up to ₹5,00,000 are insured under the DICGC (Deposit Insurance and Credit Guarantee Corporation) framework.
We recommend visiting during non-peak hours (11 AM - 1 PM) for faster service.
Knowledge Base
Frequently Asked Questions
Everything you need to know about Axis Bank PHOOLBAUG GWALIOR branch in GWALIOR.
What is the IFSC code of Axis Bank PHOOLBAUG GWALIOR branch?
The IFSC code of Axis Bank PHOOLBAUG GWALIOR branch located in GWALIOR, MADHYA PRADESH is UTIB0002974. This 11-character alphanumeric code is assigned by the Reserve Bank of India (RBI) and is mandatory for all electronic fund transfers including NEFT, RTGS, IMPS, and UPI. The first four characters 'UTIB' identify the bank, while the last six digits '002974' identify this specific branch.
What is the MICR code of Axis Bank PHOOLBAUG GWALIOR?
The MICR (Magnetic Ink Character Recognition) code of Axis Bank PHOOLBAUG GWALIOR is 474211008. It is a 9-digit code printed at the bottom of your cheque leaf using special magnetic ink. The MICR code is used for cheque-based transactions processed through the Cheque Truncation System (CTS) and is different from the IFSC code which is used for electronic transfers.
What is the BSR code of Axis Bank PHOOLBAUG GWALIOR?
The BSR (Basic Statistical Return) code of Axis Bank PHOOLBAUG GWALIOR in GWALIOR is assigned by RBI for this branch. BSR codes are 7-digit codes assigned by the Reserve Bank of India (RBI) to each bank branch. They are primarily used for filing TDS (Tax Deducted at Source) returns and advance tax payments on the Income Tax portal. When paying TDS via challan, you must enter the correct BSR code of Axis Bank PHOOLBAUG GWALIOR.
What is the SWIFT code of Axis Bank PHOOLBAUG GWALIOR for international transfers?
The SWIFT/BIC code for Axis Bank PHOOLBAUG GWALIOR is available upon branch request. SWIFT codes are used for international wire transfers (remittances). If you are receiving money from abroad to your Axis Bank account in GWALIOR, you must provide this SWIFT code to the sender along with your account number. SWIFT codes are 8 or 11 characters — the first 4 identify the bank, next 2 the country (IN for India), next 2 the location, and last 3 the branch.
How to find nearest ATM of Axis Bank in GWALIOR?
To find the nearest Axis Bank ATM in GWALIOR, MADHYA PRADESH: (1) Use Google Maps — search 'Axis Bank ATM near GWALIOR', (2) Visit Axis Bank's official website ATM locator section, (3) Use our 'Find Nearby ATM' button on this page which opens Google Maps with pre-filled search. You can also call Axis Bank's toll-free number to find the nearest ATM to Axis Bank PHOOLBAUG GWALIOR in GWALIOR.
Is Axis Bank PHOOLBAUG GWALIOR safe for large RTGS transfers above ₹2 lakh?
Axis Bank PHOOLBAUG GWALIOR (IFSC: UTIB0002974) is an RBI-regulated branch in GWALIOR, MADHYA PRADESH. RTGS (Real Time Gross Settlement) transfers are processed instantly and are backed by India's central payment infrastructure. All deposits up to ₹5,00,000 are insured by DICGC. For large transfers, always verify the beneficiary IFSC UTIB0002974 and account number. Send a ₹1 test transfer first if transacting with a new beneficiary.
Can I do IMPS transfer to Axis Bank PHOOLBAUG GWALIOR using IFSC UTIB0002974?
Yes, you can use IFSC code UTIB0002974 to send money via IMPS (Immediate Payment Service) to accounts at Axis Bank PHOOLBAUG GWALIOR in GWALIOR. IMPS transfers are instant (within seconds), available 24x7x365, and support up to ₹5,00,000 per transaction. Unlike NEFT (batch processing) and RTGS (₹2L+ minimum), IMPS has no minimum amount and works even on bank holidays.
What are the working hours of Axis Bank PHOOLBAUG GWALIOR in GWALIOR?
Axis Bank PHOOLBAUG GWALIOR branch in GWALIOR, MADHYA PRADESH generally operates Monday to Friday from 10:00 AM to 4:00 PM, and on 1st and 3rd Saturdays from 10:00 AM to 4:00 PM. The branch remains closed on 2nd and 4th Saturdays, Sundays, and RBI-declared bank holidays. Digital banking services (net banking, mobile app, UPI, ATM) are available 24x7x365. Call Axis Bank's toll-free helpline to confirm holiday timings.
How to use BSR code of Axis Bank PHOOLBAUG GWALIOR for TDS payment?
To pay TDS using Axis Bank PHOOLBAUG GWALIOR BSR code: (1) Login to the Income Tax portal at incometax.gov.in, (2) Go to e-Pay Tax or fill Challan 280/281, (3) Select Axis Bank as your bank, (4) Enter BSR code assigned by RBI for this branch when asked, (5) Enter your challan details and complete payment. The BSR code of Axis Bank PHOOLBAUG GWALIOR (assigned by RBI for this branch) is mandatory for TDS filing — an incorrect BSR code can cause your TDS credit to be mismatched.
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