UTIB0004981 — Axis Bank, Gangyal
UTIB0004981 is the IFSC code of Axis Bank, Gangyal branch, Jammu, Jammu And Kashmir. MICR 180211018. NEFT yes, RTGS yes, IMPS yes.
| IFSC code | UTIB0004981 |
|---|---|
| Bank | Axis Bank |
| Branch | Gangyal |
| Address | GROUND FLOOR, KHASRA NO 383, NEAR PNB, NATIONAL HIGHWAY 44, GANGYAL, DISTT JAMMU, JAMMU AND KASHMIR |
| City | Jammu |
| District | Jammu |
| State | Jammu And Kashmir |
| MICR code | 180211018 |
| SWIFT code | — |
| Phone | +919596254179 |
| NEFT | Yes |
| RTGS | Yes |
| IMPS | Yes |
| UPI | Yes |
Source: Reserve Bank of India IFSC/MICR list, as compiled by the open-source Razorpay IFSC dataset (MIT licence), updated 08 Nov 2026. Always confirm the IFSC with your bank before sending money.
Other Axis Bank branches in Jammu
- Bansultan Miran Sahib — UTIB0005319
- Bishnah — UTIB0006141
- Chak Pouni Wand — UTIB0002375
- Channi Himmat — UTIB0004976
- Chwadi — UTIB0002359
- Dharmal — UTIB0002423
- G S Marg, Jammu — UTIB0001011
- Gagian R S Pura Jammu — UTIB0005082
- Ghagour — UTIB0002425
- Greater Kailash — UTIB0005544
- Jammu — UTIB0000147
- Jammu Panjtirthi Chowk — UTIB0003282
How to read IFSC UTIB0004981
| Part | Meaning |
|---|---|
| UTIB | Bank code – Axis Bank |
| 0 | Fifth character, always zero (kept for future use) |
| 004981 | Branch code – Gangyal, Jammu |
The MICR code 180211018 is printed at the bottom of cheques from this branch: 180 is the city code, 211 the bank code and 018 the branch code. MICR is used only for cheque clearing; online transfers need the IFSC.
Sending money to Axis Bank, Gangyal
Payments this branch can receive using IFSC UTIB0004981:
- NEFT – available 24×7, all days; RBI sets no minimum or maximum amount (your bank may set its own limit).
- RTGS – for ₹2 lakh and above, settled in real time, 24×7.
- IMPS – instant transfer 24×7, usually up to ₹5 lakh per transaction.
- UPI – accounts at this branch can be linked to UPI apps.
To pay someone here you need their account number, the account holder’s name and the IFSC UTIB0004981.
Questions about IFSC UTIB0004981
What is the IFSC code of Axis Bank, Gangyal branch?
The IFSC code of Axis Bank, Gangyal branch (Jammu, Jammu And Kashmir) is UTIB0004981.
What is the MICR code of Axis Bank, Gangyal?
The MICR code of this branch is 180211018.
Where is Axis Bank, Gangyal branch located?
The branch address is GROUND FLOOR, KHASRA NO 383, NEAR PNB, NATIONAL HIGHWAY 44, GANGYAL, DISTT JAMMU, JAMMU AND KASHMIR (Jammu And Kashmir).
Does UTIB0004981 support RTGS and NEFT?
NEFT: yes. RTGS: yes. IMPS: yes (as per the RBI list in our records).
Income tax refund not received?
A refund fails when the bank account on the income tax portal is not pre-validated or the IFSC has changed after a bank merger. We fix the account, raise a refund re-issue request and follow up — online, anywhere in India.