For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Axis Bank for its Chowk Branch Gaya branch in Gaya, Gaya, Bihar, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly over the years, and today customers of Axis Bank located in Gaya or anywhere in Bihar can transfer funds instantly by using the correct IFSC Code UTIB0003608. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Axis Bank, Chowk Branch Gaya, Gaya
Below in the table are the key details related to IFSC Code UTIB0003608 of Axis Bank for its branch located in Gaya, within the district of Gaya in the state of Bihar.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0003608 |
| Branch | Chowk Branch Gaya |
| City | Gaya |
| District | Gaya |
| State | Bihar |
| Address | K P Raod Tower Chowk Gaya Bihar |
These details helps users in online banking and for businesses and individuals who use Axis Bank in Gaya for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0003608 for the Chowk Branch Gaya branch of Axis Bank plays a vital role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Axis Bank located in Chowk Branch Gaya, Gaya, Bihar, are allotted a unique IFSC like UTIB0003608 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Gaya.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Gaya and Gaya.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Axis Bank in Chowk Branch Gaya reaches the right place, even though there are thousands of branches in Bihar and across India.
Format of the IFSC Code UTIB0003608
This is the format of the IFSC Code for banks, including Axis Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For Axis Bank, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Chowk Branch Gaya in Gaya.
For example, the IFSC Code UTIB0003608 of Axis Bank for the Chowk Branch Gaya branch includes these elements, identifying the bank and the branch location in Gaya and Bihar accurately.
How to Find IFSC Code for Axis Bank?
If you are trying to find the IFSC Code UTIB0003608 of Axis Bank for its Chowk Branch Gaya branch located in Gaya, the following methods can help:
Cheque Book
The cheque book issued by Axis Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including Axis Bank branches in Gaya and Gaya, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of Axis Bank and navigate to the branch locator section. Search for Chowk Branch Gaya or Gaya to get the exact IFSC Code UTIB0003608.
Mobile Banking App
If you use Axis Bank's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Axis Bank and Gaya, you'll get the correct details.
How to Use IFSC Code UTIB0003608 for Online Transfers?
Once you have the IFSC Code UTIB0003608 for the Chowk Branch Gaya branch of Axis Bank in Gaya, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTIB0003608. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Axis Bank IFSC Code UTIB0003608.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank Chowk Branch Gaya in Gaya, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Axis Bank in Chowk Branch Gaya, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Axis Bank website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Gaya manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Chowk Branch Gaya Gaya branch is UTIB0003608.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at K P Raod Tower Chowk Gaya Bihar.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
