Use this page as a one-stop reference for everything related to Axis Bank's LALBAG branch in BAHARAMPUR, WEST BENGAL. The branch's IFSC code UTIB0003900 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0003900 is the IFSC of Axis Bank's LALBAG branch. The format is fixed: UTIB = bank code, 0 = reserved, 003900 = branch identifier.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Lalbag |
| IFSC Code | UTIB0003900 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, HOLDING NO 102, KALANDARBAG, LALBAG STATION ROAD, OPPOSITE. ASTABAL GROUND |
| City | Baharampur |
| District | Murshidabad |
| State | West Bengal |
| STD Code | 91 |
| Phone | 8001601633 |
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Lalbag branch in Baharampur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0003900.
About this branch
The branch is located at GROUND FLOOR, HOLDING NO 102, KALANDARBAG, LALBAG STATION ROAD, OPPOSITE. ASTABAL GROUND. It serves the Baharampur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0003900 is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's LALBAG branch came to be assigned the code UTIB0003900.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0003900, money simply cannot be routed to the LALBAG branch electronically.
How to transfer money using IFSC UTIB0003900
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UTIB0003900 across all three.
How to use IFSC UTIB0003900 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Axis Bank's LALBAG branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC UTIB0003900.
- Confirm the bank name auto-populates as Axis Bank and the branch as LALBAG.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC UTIB0003900
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – LALBAG, ensure your bank's portal accepts IFSC UTIB0003900 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – LALBAG, use IMPS. With IFSC UTIB0003900 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Lalbag
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC UTIB0003900:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at LALBAG is still linked to IFSC UTIB0003900.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Axis Bank's LALBAG branch, the IFSC UTIB0003900 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Lalbag branch is mapped to IFSC UTIB0003900 on the RBI payments network. The branch generally supports the full retail product catalogue of Axis Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UTIB0003900.
Products and services
Customers walking into the Lalbag branch can access most of Axis Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UTIB0003900
MICR & cheque-truncation details
Cheques drawn on the Lalbag branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UTIB0003900 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Lalbag branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0003900 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC UTIB0003900
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Axis Bank – LALBAG, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UTIB0003900. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Lalbag branch
The branch is located at GROUND FLOOR, HOLDING NO 102, KALANDARBAG, LALBAG STATION ROAD, OPPOSITE. ASTABAL GROUND, which puts it inside Baharampur, the broader Murshidabad district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Axis Bank Lalbag branch” — the verified location pin for IFSC UTIB0003900 should appear at the top of the results.
- Confirm the branch is open by calling 91-8001601633 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UTIB0003900 and your account number.
Verifying IFSC UTIB0003900 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm UTIB0003900 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-8001601633.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Lalbag branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0003900, however, work 24x7.
Branch address & contact
Axis BankLalbag Branch
GROUND FLOOR, HOLDING NO 102, KALANDARBAG, LALBAG STATION ROAD, OPPOSITE. ASTABAL GROUND
Baharampur, West Bengal
Phone: 91-8001601633
IFSC: UTIB0003900
Frequently asked questions
Does Axis Bank Lalbag branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-8001601633 to confirm.
What is the IFSC code of Axis Bank Lalbag branch?
The IFSC code of Axis Bank, Lalbag branch is UTIB0003900. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC UTIB0003900 the same for all accounts at Lalbag branch?
Yes. The IFSC UTIB0003900 is shared by every account held at Axis Bank's Lalbag branch. Only the account number changes from customer to customer.
How do I add Axis Bank Lalbag as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0003900, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Axis Bank Lalbag branch?
You can reach the branch at 91-8001601633 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Lalbag branch but serve different purposes.
Where is Axis Bank Lalbag branch located?
Axis Bank's Lalbag branch is located at GROUND FLOOR, HOLDING NO 102, KALANDARBAG, LALBAG STATION ROAD, OPPOSITE. ASTABAL GROUND, Baharampur, West Bengal.
How quickly will an NEFT transfer using UTIB0003900 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Lalbag reflect within 30 minutes.
Summary
The IFSC code UTIB0003900 belongs to Axis Bank's LALBAG branch, located at GROUND FLOOR, HOLDING NO 102, KALANDARBAG, LALBAG STATION ROAD, OPPOSITE.… in BAHARAMPUR, WEST BENGAL. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
