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. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Axis Bank for its Ruby Park branch in Kolkata, Kolkata, West Bengal, then this guide will give you detailed information.
The banking system has evolved significantly 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 UTIB0002045. 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, Ruby Park, Kolkata
The table below shows the main details of the IFSC Code UTIB0002045 for the Axis Bank branch in Kolkata, which falls under the Kolkata district in West Bengal.
| Particulars | Details |
|---|---|
| Bank | Axis Bank |
| IFSC Code | UTIB0002045 |
| Branch | Ruby Park |
| City | Kolkata |
| District | Kolkata |
| State | West Bengal |
| Address | Axis Bank Ltd,Kasba,Ruby Park The Chambers,Gr Floor, 1865 Rajdanga Main Road, Kolkata-700107 |
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 UTIB0002045 for the Ruby Park 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 that is provided by the Reserve Bank of India. A unique IFSC like UTIB0002045 is given to every bank branch, including Axis Bank located in Ruby Park, Kolkata, West Bengal, to make sure that online payments reach the right place.
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 kind of confusion between multiple branches of the same bank across different places like Kolkata and Kolkata.
- It removes errors in fund transfers and improves accuracy.
- It lets the sender banks validate and confirm branch details before they process the payments.
There are thousands of branches across West Bengal and the rest of India, which is why the IFSC Code ensures that transactions meant for Axis Bank in Ruby Park doesn't end up at another location.
Format of the IFSC Code UTIB0002045
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): 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 Ruby Park in Kolkata.
For example, the IFSC Code UTIB0002045 of Axis Bank for the Ruby Park 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 trying to find the IFSC Code UTIB0002045 of Axis Bank for its Ruby Park branch located in Kolkata, the following methods can help:
Cheque Book
The cheque books that are issued by Axis Bank include the IFSC Code which is printed on each cheque and 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 find the branch locator section. Search for Ruby Park or Kolkata to get the exact IFSC Code UTIB0002045.
Mobile Banking App
If you use Axis Bank's mobile app, you can easily 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 to help you in searching for Axis Bank and Kolkata that will provide accurate information.
How to Use IFSC Code UTIB0002045 for Online Transfers?
Once you have the IFSC Code UTIB0002045 for the Ruby Park branch of Axis Bank in Kolkata, you can start with your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code UTIB0002045. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. You need the recipient's account details and Axis Bank IFSC Code UTIB0002045.
Whatever method you choose, the accuracy of the IFSC Code is highly important. If there is any mistake in entering the IFSC Code for Axis Bank Ruby Park in Kolkata, it can result in delayed or failed transactions.
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 Ruby Park, here are some ways that 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.
If you know both IFSC and MICR codes, then it can help account holders in Kolkata manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code of the Ruby Park Kolkata branch is UTIB0002045.
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 Axis Bank Ltd,Kasba,Ruby Park The Chambers,Gr Floor, 1865 Rajdanga Main Road, Kolkata-700107.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
