Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Axis Bank for its Ghatakpukur branch in Kolkata, Kolkata, or West Bengal, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Axis Bank located in Kolkata or anywhere in West Bengal can transfer funds instantly by using the correct IFSC Code UTIB0005187. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for Axis Bank, Ghatakpukur, Kolkata
Below in the table are the key details related to IFSC Code UTIB0005187 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 | UTIB0005187 |
| Branch | Ghatakpukur |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| Address | Ground Floor, Jl No100, Rs No 18, Rs Khatian No 948, Rs Dag No 1499, Po B Gobindapur, Ps Bhangar, South 24 Parganas |
These details are essential not only for online banking users but also for businesses and individuals who use Axis Bank in Kolkata for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code UTIB0005187 for the Ghatakpukur branch of Axis Bank plays 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 Ghatakpukur, Kolkata, West Bengal, is provided with a unique IFSC like UTIB0005187 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 Ghatakpukur do not get mixed with another location.
Format of the IFSC Code UTIB0005187
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 Ghatakpukur in Kolkata.
For example, the IFSC Code UTIB0005187 of Axis Bank for the Ghatakpukur branch includes these elements, identifying the bank and the branch location in Kolkata and West Bengal accurately.
How to Find IFSC Code for Axis Bank?
If you are looking for the IFSC Code UTIB0005187 of Axis Bank for its Ghatakpukur branch located in Kolkata, the following methods can help:
Cheque Book
The cheque book that is issued by Axis Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including Axis Bank branches in Kolkata and Kolkata, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of Axis Bank and look for the branch locator section, then search for Ghatakpukur or Kolkata to get the exact IFSC Code UTIB0005187.
Mobile Banking App
If you use Axis Bank's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Axis Bank and Kolkata, then it will provide you proper information.
How to Use IFSC Code UTIB0005187 for Online Transfers?
Once you have the IFSC Code UTIB0005187 for the Ghatakpukur 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 UTIB0005187. 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 UTIB0005187.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Axis Bank Ghatakpukur 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 Ghatakpukur, 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 is UTIB0005187.
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, Jl No100, Rs No 18, Rs Khatian No 948, Rs Dag No 1499, Po B Gobindapur, Ps Bhangar, South 24 Parganas located in Kolkata, Kolkata, West Bengal.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.