The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Axis Bank for its Bargarchumuk branch in Howrah, Bargarchumuk, West Bengal, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Axis Bank located in Howrah or anywhere in West Bengal can transfer funds instantly by using the correct IFSC Code UTIB0005322. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Axis Bank, Bargarchumuk, Howrah
Here are the key points that are associated with the IFSC Code UTIB0005322 of Axis Bank for its branch located in Howrah, within the district of Bargarchumuk in the state of West Bengal.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0005322 |
| Branch | Bargarchumuk |
| City | Howrah |
| District | Bargarchumuk |
| State | West Bengal |
| Address | Ground Floor, Lr Khatian No 2404, Dag No 363, Uluberia Shyampur Road, Bargarchumuk, P S Shyampur |
These details are essential not only for online banking users but also for businesses and individuals who use Axis Bank in Howrah for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0005322 for the Bargarchumuk branch of Axis Bank plays 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 Bargarchumuk, Howrah, West Bengal, is provided a unique IFSC like UTIB0005322 so that their online payments reach the right place.
The IFSC Code is important because:
- It uniquely recognizes the Axis Bank branch in Howrah.
- 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 Howrah and Bargarchumuk.
- 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 Bargarchumuk do not get misguided to another person.
Format of the IFSC Code UTIB0005322
The format of the IFSC Code for banks, including Axis Bank, has an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Axis Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Bargarchumuk in Howrah.
For example, the IFSC Code UTIB0005322 of Axis Bank for the Bargarchumuk branch includes these elements, identifying the bank and the branch location in Howrah and West Bengal correctly.
How to Find IFSC Code for Axis Bank?
If you are trying to find the IFSC Code UTIB0005322 of Axis Bank for its Bargarchumuk branch located in Howrah, 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 Howrah and Bargarchumuk, 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 Bargarchumuk or Howrah to get the exact IFSC Code UTIB0005322.
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 Howrah, you'll get the correct details.
How to Use IFSC Code UTIB0005322 for Online Transfers?
Once you have the IFSC Code UTIB0005322 for the Bargarchumuk branch of Axis Bank in Howrah, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTIB0005322. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹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 UTIB0005322.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank Bargarchumuk in Howrah, 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 Bargarchumuk, 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 Howrah manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is UTIB0005322.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Ground Floor, Lr Khatian No 2404, Dag No 363, Uluberia Shyampur Road, Bargarchumuk, P S Shyampur located in Howrah, Bargarchumuk, West Bengal.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
