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 Gariahat branch in Kolkata, Kolkata, West Bengal, 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 Kolkata or anywhere in West Bengal can transfer funds instantly by using the correct IFSC Code UTIB0005563. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Axis Bank, Gariahat, Kolkata
Here are the main details that are associated with the IFSC Code UTIB0005563 of Axis Bank for its branch located in Kolkata, within the district of Kolkata in the state of West Bengal.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0005563 |
| Branch | Gariahat |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| Address | Indu 1 8,Dover Lane,Landmark Gariahat Police Station,Po Sarat Bose Road,Ps Gariahat Ps |
These details are crucial, not just for online banking users but also for businesses and individuals who use Axis Bank in Kolkata for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0005563 for the Gariahat branch of Axis Bank has an important 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, including Axis Bank located in Gariahat, Kolkata, West Bengal, is provided with a unique IFSC like UTIB0005563 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It uniquely identifies the Axis Bank branch in Kolkata.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any errors or confusions between multiple branches of the same bank across different places like Kolkata and Kolkata.
- It reduces errors in fund transfers and improves accuracy.
- It allows sender banks to validate and confirm branch details before processing payments.
There are thousands of branches across West Bengal and the rest of India and the IFSC Code ensures that transactions meant for Axis Bank in Gariahat do not get mixed with another location.
Format of the IFSC Code UTIB0005563
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 Gariahat in Kolkata.
For example, the IFSC Code UTIB0005563 of Axis Bank for the Gariahat branch includes these elements, identifying the bank and the branch location in Kolkata and West Bengal correctly.
How to Find IFSC Code for Axis Bank?
To find the IFSC Code UTIB0005563 of Axis Bank for its Gariahat branch located in Kolkata, 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 Kolkata 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 Gariahat or Kolkata to find the exact IFSC Code UTIB0005563.
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 Kolkata will provide accurate information.
How to Use IFSC Code UTIB0005563 for Online Transfers?
Once you have the IFSC Code UTIB0005563 for the Gariahat branch of Axis Bank in Kolkata, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code UTIB0005563. 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 UTIB0005563.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank Gariahat in Kolkata, 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 Gariahat, 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 Kolkata manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Gariahat Kolkata branch is UTIB0005563.
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 Indu 1 8,Dover Lane,Landmark Gariahat Police Station,Po Sarat Bose Road,Ps Gariahat Ps.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
