There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Axis Bank for its Rishra branch in Hooghly, Kolkata, West Bengal, then this comprehensive guide will provide you with detailed information.
The banking system in India has changed over time, and today the customers of Axis Bank situated in Hooghly or anywhere in West Bengal can easily transfer funds instantly by using the correct IFSC Code UTIB0000545. You should know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for Axis Bank, Rishra, Hooghly
Here are some of the key details that come with the IFSC Code UTIB0000545 of Axis Bank for its branch located in Hooghly, within the district of Kolkata in the state of West Bengal.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0000545 |
| Branch | Rishra |
| City | Hooghly |
| District | Kolkata |
| State | West Bengal |
| Address | Stepping Stone School, 362/363, Bangur Park, Rishra, 712248 |
These details are crucial, not just for online banking users but also for businesses and individuals who use Axis Bank in Hooghly for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0000545 for the Rishra branch of Axis Bank has an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, which is an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, including Axis Bank located in Rishra, Hooghly, West Bengal, is provided a unique IFSC like UTIB0000545 so that their online payments reach the right place.
The IFSC Code is important because:
- It uniquely recognizes the Axis Bank branch in Hooghly.
- Helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any confusions between multiple branches of the same bank across different places like Hooghly and Kolkata.
- It reduces most of the errors in fund transfers and makes sure its accuracy.
- It enables sender banks to validate and confirm branch details before processing payments.
For thousands of branches across West Bengal and the rest of India, the IFSC Code ensures that transactions meant for Axis Bank in Rishra do not get misguided to another person.
Format of the IFSC Code UTIB0000545
The format of the IFSC Code for banks, including Axis Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): These represent the bank code. In Axis Bank, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Rishra in Hooghly.
For example, the IFSC Code UTIB0000545 of Axis Bank for the Rishra branch has these elements, identifying the bank and the branch location in Hooghly and West Bengal correctly.
How to Find IFSC Code for Axis Bank?
To find the IFSC Code UTIB0000545 of Axis Bank for its Rishra branch located in Hooghly, the following methods can help you out:
Cheque Book
The cheque book issued by Axis Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most banks, including Axis Bank branches in Hooghly and Kolkata, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of Axis Bank and go to the branch locator section. Then search for Rishra or Hooghly to find the exact IFSC Code UTIB0000545.
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 maintains an updated database of all IFSC codes. Searching for Axis Bank and Hooghly will provide accurate information.
How to Use IFSC Code UTIB0000545 for Online Transfers?
Once you have the IFSC Code UTIB0000545 for the Rishra branch of Axis Bank in Hooghly, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTIB0000545. 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 UTIB0000545.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank Rishra in Hooghly, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Axis Bank in Rishra, here are some ways to obtain 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.
Having both the IFSC and MICR codes makes it easy for account holders in Hooghly to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code of the Rishra Hooghly branch is UTIB0000545.
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 Stepping Stone School, 362/363, Bangur Park, Rishra, 712248.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
